I'd just like to point out that FDIC is actually insurance. Banks that are FDIC insured pay into it (like a premium), so that the government will back depositor losses up to the $250k amount, from the accounts that the banks pay into. It isn't tax dollars. So it's not a Ponzi scheme in the way that SS is, for instance. Otherwise, yes, our economic outlook is not so good. Carry on.....