If you keep your account below the FDIC limit, you will always get 100% of your money back on bank failure. Even if the FDIC runs out of funds, the guarantee is backed by the Full Faith and Credit of the US Government. Remember that our currency is not backed by anything of value, so you will get back whatever the government calls a "dollar" at the time, but that's true wnen you withdraw money from your bank as well.

With the current amount of our government debt, it can only really be retired by "default" or "inflation". One is unthinkable, the other relatively painless to the citizens. Which method do you think they will use? [g]