Editing bec I can't reply somehow:
The case you have was "tenuous circumstances"
I myself have experienced having my account cleaned out of a couple of thousand dollars (stolen/compromised ATM), and the bank had my funds back in 3 days. Pretty sure I won't be ruined in that time frame. Anybody who has 250k in the bank isn't living in tenuous Circumstances.
FDIC requires the government to pay you back for the insured (250k) amount but sets no timetable for this repayment. Simply, "as soon as possible." I've had several attorneys (that's what I get for marrying one) tell me explicitly that although the official FDIC policy is "as soon as possible" - which, granted, if you're a single point of failure (i.e., a small local bank) can be as soon as a few days - can be extended effectively indefinitely in cases where, for instance, a major bank fails, or several major banks are robbed concurrently.
Granted, you could sue for this, since you could argue that perhaps they're not moving as fast as they can be, but at that point you're not going to have the money to sue them with.
Now, if you have a solid job and money across several accounts under banks that are orthogonal with respect to being swindled, hey, you're OK. You'll hold out for the eventual repayment. If, on the other hand, you're in the same situation as most Americans these days, you had better hope that when you need the FDIC you're one of the exceptional few rather than part of a mob, because you could very well see your life derailed before you get your safety net back.