If your insurance coverage massively increases without any increase on the insurance premium, do you think you will take on less risk? … doubtful

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FDIC sees merits of increasing backstop for business accounts https://www.reuters.com/business/finance/fdic-sees-merits-increasing-backstop-business-accounts-2023-05-01/
What type of behavior does this and allowing JPM to buy First Republic does this incent? More risk taking by banks.