Now that 100 percent of deposits EVERYWHERE are fully FDIC insured it seems we may have seen the last run at least in the US?
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To be clear, there is no official policy that all deposits are insured with no limit. That might be the practical policy for the most part, but if that description is incorrect. https://www.cnbc.com/2023/03/16/svb-signature-bank-failures-yellen-says-us-banking-system-is-stable-and-deposits-remain-safe.html
@jack I was under the impression that they are raising the premiums banks pay to the FDIC to cover all deposits held by a given institution, but you are probably correct that the policy is still officially in the works.
@BTE Pretty sure that they aren't doing that. They are raising the premiums to meet existing statutory requirements: https://www.fdic.gov/news/press-releases/2022/pr22073a.pdf
I think unlimited coverage would likely be a good thing (with stricter regulations to go along with it), but I haven't heard any indication that there's movement towards that.