I'm happy this happened, and it's likely to prevent other bank runs in the near term, but the moral hazard and lack of clarity induced by the government changing policies last minute makes decisions about how to treat money and how to park it really frustrating.

Am I good to ignore the $250K FDIC limit forever because this will happen next time too?

Will unlimited FDIC backing apply to money in brokerage sweep accounts?

Can I park money in a money market fund instead of a bank account now and enjoy higher yields? Because even though it's not technically insured the government will save the day?

Are all banks equal now in safety, so I can just pick the highest CD rate regardless of whether it seems sketchy? How about muni bonds?

No longer can we just read the sign that's literally posted at these banks "insured to at least $250K" and the disclaimers about lack of insurance on other products and know what anything means.

(And, cynically and perhaps irrationally, while I'm glad the startup world is not imploding, I can't help but think of the parties, events, and other goodies that SVB treated VCs and founders to instead keeping more liquid assets on hand...)