These flyspecks will be merged into bigger banks with no impact on small depositers.
I am not saying there ain't big problems in financeland, but the shiny pants kids in Washington won't let Ma and Pa suffer when Podunk Trust goes under.
They'll screw ALL of us with inflation, though.
Ma and Pa will not lose the money in their account, which is guaranteed by the federal government. Remember though, that the Savings and Loan crisis cost the taxpayers 160 billion dollars. This will be bigger.