nostr:npub15nwfhkpm32zgh79m4v0f5em8kddm7sfve78y9x3epsphy00e6xnqy7r4nq

Oh the the regulations aren't about making the rates consistent. They are just to mitigate the risk of the too big to fail failing. (or more likely to provide free insurance for such concernes at everyone else's expense. )