Ok so some are against any raising of the FDIC limit and some are for making it unlimited. The limit in a way is meaningless (IMO) when the Fed will basically backstop everything to keep trust in the system. That being said, I think the main issue is with businesses being able to make payroll and keep employment stable (SVB). With that being the goal why not keep a reasonable FDIC cap for individuals and for Businesses have them designate an account for payroll and insure up to their business needs for 12 months of payroll. Any payouts would be subject to audit of their last 12 months payroll. All other forms of insurance for deposits can be risk managed as people see fit. Not an expert, but this seems logical. Also, I am open to hearing counter points on this.