It is not "good faith" to deposit money over the well-known insurance limit and then expect to be made whole.
Capitalism doesn't work unless people who take risks bear the costs when they lose.
MAGA thought process: We must punish evil China for sending this horrible virus that is just the common cold and we don't need masks but Trump was a hero for wearing one that one time and God bless him for inventing the miraculous vaccine we're not going to take.
If Sen Romney wants unlimited FDIC coverage, he can introduce a bill and raise someone's taxes to pay for it.
This ad-hoc practice where we have a $250K limit but everyone assumes we will ignore it in a crisis makes no sense.
When you say “every war” you apparently mean every war with US troops involved. There are none in Ukraine. So of course it isn’t covered in the same way.
Nonetheless, much news is available, if you care to look.
If you think all bank deposits should always have unlimited FDIC backing, say so and support legislation to do it. And find a way to fund it.
Waiting until a big bank fails *then* demanding a bailout for wealthy people who knew the risk they were taking is ridiculous.