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If your strategy is keeping money in an FDIC insured bank account the government will absolutely bail you out. You have a guaranteed bail out up to the deposit insurance limits and a high-probability bailout for close to 100% of your funds through FDIC resolution.

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The money in FDIC is the banks’ money! Zero taxpayer investment.

NitPick: The Deposit Insurance Fund invests in Treasury securities, so technically there is a little taxpayer money from interest payments.

But the contributions to the Fund are all from member banks, not from the Federal budget.

https://en.wikipedia.org/wiki/Federal_Deposit_Insurance_Corp....

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