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> Are you saying if I deposit [...] I should just accept the impact [...] due to events unrelated to my actions and choices?

You chose that bank and you chose to deposit more than $250,000. Are you saying the limit should be higher?

I mean when that limit was set 250k was a lot, but it really needs to be pegged to inflation.

You mean 2009? The limit was 100k before then. I wouldn't be against pegging it to inflation, but that's still only moving it up to ~$330k.

that limit was set in 2008. before that it was $100k