Ah, more of the Deconstructing of America. Brought to you by the Marxist Socialists of AmeriKa.
There is a simple answer. Any deposits over 250K are charged a fee for insurance.
Anyone with a million dollar house pays more for insurance that a person with a 100K house. Why should it be any different for cash in the bank?
i can figure this out and have not even stayed at a Motel 6.