Should The FDIC Cover $20 Million Deposits? The Real Debate Isn't What You Think.

The real FDIC debate is not about limits. It’s about management quality, market discipline, and which banks actually survive the next cycle.

There’s a $20 million question being debated in banking circles right now. One that has polarized small banks, big banks, bank operators, and bank investors. The debate centers on raising FDIC insura…