Keeping track of funds for the FDIC makes sense when a few banks go bust here and there. But when you prevent normal recessions from occurring for over 20 years, and you blow air into every promising small bubble you see floating by, and you finally have to deal with the pent-up consequences, then the FDIC fund becomes just another loose change drawer for the Federal govt.
Who cares how much exactly is in the loose change drawer? If it empties, it will be refilled promptly from the endless river of future taxpayer payments.
