Remember that scene at the beginning of It’s a Wonderful Life, where people are all desperately trying to get into the bank because if it fails before they get in, they lose their money? That’s what the FDIC prevents.
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I’m looking at the positive side of societal collapse. If there are no banks, then I don’t have to pay my mortgage.
Worst case. Inflation eats the mortgage until it’s just chump change.
Don’t worry, someone will buy that debt from the bank. You’ll still get to pay.