I can't understand this.

The Fed reserve requirements are 0% and the FDIC is supposed to insure up to $250k per depositor.

But then they disregard the FDIC and the Fed comes in and just backstops the entire banks deposits.

Why wouldn't a bank just run 0 reserves and rack up as much debt and credit as possible? This is moral hazard to the extreme.

There are no rules just politics.