Deposits should be safe. Insure them without limit.

Depositors have better things to do than monitor bank risk

Depositors are moving their money away from regional banks in the wake of Silicon Valley Bank’s collapse two weeks ago. Los Angeles-based Pacific Western is the latest to come under pressure.

The fear amongst depositors is palpable—especially amongst businesses that are large enough to have deposits exceeding the FDIC’s $250,000 insurance cap, but too sm…