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Similar to a bank as in a guaranteed insurance of my funds, like the FDIC in the US?

FDIC is the government overreach the parent was talking about.

It's also a relatively new thing.

People who cry about government overreach seem to rarely ponder why it is there in the first place. Well, TFA shows why.

TFA?

The eFfing Article (as in RTFA, "read the effing article"). I.e. the thing we're all discussing here.

Thanks.