Seems like I remember reading a while back that you can safely have more than $250K in a single bank, but each account must be under a different name/entity, i.e. one account in your name, one account in your wife's name, one account in your joint names, one in your business names, etc.
Of course, then you've still got the 'all your eggs in one basket' problem.
So still, 2000 accounts or 2000 banks.
That’s right. But if you have treasury bonds and the bank just keeps track of them and goes under you’ll still keep the bonds.
Good luck with the lottery!