Whoops, sorry. I did read too quickly. I’m at work now and can’t spend as much time on this as I could earlier this morning.
On bank robbery, I would rather the federal insurance remains on bank accounts, so I can’t see how it’s not a federal crime to rob a bank in that case. You are stealing directly from the federal government.
On kidnapping, if you made it state jurisdiction you would be encouraging kidnappers to always cross state lines with their victims, to avoid apprehension.
So I think we’re stuck with those being federally enforced.
It’s already a crime to falsely imprison someone, and most states would extradite for the original kidnapping charge as well, so running across state lines shouldn’t shield kidnappers from arrest. I guess I wouldn’t mind a federal force doing the chasing for logistical and coordination reasons, as long as their empowerment came from the states.
As for deposit guarantees, I’m not sure what I think about them as a practical matter or from a Constitutional perspective. I’ll have to give it some thought. I guess the safety of funds encourages interstate trade, so it might actually be ONE place the commerce clause might properly apply.