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There should be a checkbox somewhere in your bank to put your money in multiple CDs in multiple banks transparently for you.

... that's what banks do, they just do it at scale. So you want every person to be their own bank?

Why not just let the FDIC do their job, trust in the banking system and save yourself the trouble of worrying about a bank run.

If you’re small enough to get fully covered by all means please do, I agree 100%.

Interactive brokers does this, you can configure it with which of their fleet of banks you already have accounts at so you don't undermine its logic.