small banks. small depositors. small depositors have problems with inflation. pulling money out of savings accounts. banks desperate to sell cd's. wow! cd's are about to zoom up! 5%~~6%~~~7%~~~~~~~~~~~~19%.............. small banks will fail. fdic does not have enough funds to cover. you lose. feds blowing smoke when they lie, "we have everything under control". /// as inflation goes up, congress just adds more to their expense accounts. yes. congress could care less about your problems.