A few considerations that might make those of us with deposits in the United States somewhat antsy. According to the Office of the Comptroller of the Currency, there is $25 billion in the deposit insurance fund against $9,283 billion in deposits, or less than three tenths of one percent. U.S. banks notational derivatives exposure is almost $300 trillion,12,000 times the insurance fund and 19 times U.S. GDP. So yes, we have deposit insurance. So what? How about deposit taxes; don’t we have rule of law that would prevent our admittedly rapacious politicians from reaching into our accounts? Ask GM and Chrysler bondholders how the rule of law fared in the last financial crisis, when Obama decided to bail out those companies.