I am arguing for the FDIC to address an irrational market psychology before it turns into systemic risk, yes. And I don’t think it would cost taxpayers or anyone a dime to stop it. Because FRB *has* enough assets to cover liabilities. The issue is going to be a duration/maturity mis-match. I am really bored of the conversation about the immorality of that system, though. I get it. And I don’t need anyone to recommend the “Mystery of Banking” by Murray Rothbard to me to get people’s point. Not that you are. But I’m sure someone will. Which I’ve already read.