Only socialists and Commies believe in FDIC. If you want your money to be secure then you evaluate the risks. I could care less if insolvent banks take depositor money.
The other thing is those darn 401Ks. Can the gov switch them to annuities?
Many seniors put the money there, because it was secure. Sure, they could make a better return but the money was crucial to their retirement and they didn't want to take chances
So if they change it, the safest place is in the mattress, or a safety deposit box. And if very many go that route, then it becomes a run on the bank.
There are a lot of free republic people who will not be able to keep their homes, or pay taxes, support family, that seems cold on your part.