[Alesha W]

Should deposit insurance provided by the government be increased or eliminated? Should depositors pay for the insurance based on how much they have in a bank

[floozy_niki]

Increased. It is an essential.

[mbrcatz17]

Neither. There needs to be a way to limit the risk amount, and banks aren't a very good investment vehicle, anyway, for large amounts of money. That's why the limits shouldn't be increased.However, SOME protections really need to be in place. If it weren't for the FDIC availability, many of the safe lending practices currently in place would be subject to dismissal - and just look at the S&L crisis during the 80's to see the effects of lax lending practices.

[dubai86]

The government safety net can short-circuit runs on banks and bank .Provided bank examiners with to evaluate risk