My fiat savings is in a high yield (4 percent!) vehicle that is somehow FDIC insured. At this point, I don't trust that this is possible without risk, but I'm also like "fuck it, let it ride loool". How is a 4% yield account FDIC insured when, say, a USBancorp cant even give you 1%, and they're barely holding on to the coaster with all their unrealized losses?