I was in conversation with a colleague and we were discussing the failure of two banks in the US - we went over the reasons why it could have happened in 2023 and I was stunned by some of the theories he suggested (certainly not reported in the mainstream media) - also the fact that only upto $250,000 of your money is FDIC insured (not that many regular folks have that kind of money lying around) but if a bank goes belly up then you can say goodbye to anything abouve that amount in a worse case scenario