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On a similar note, I've been wondering whether choosing a bank has became fraught with social consequence. For example, let's say I don't do my research and put my money in a bank that's in dire straights. Now if that bank goes under, the FDIC has to step in and reimburse me, which ultimately costs my fellow taxpayers. Had I done my research and chosen a bank that was on better footing, I would have saved the taxpayers some money. Maybe that's not quite how it works, but it made sense in my head.
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