Is the FDIC Guaranteeing All Deposits a Good Idea?

The last financial crisis led to a big tightening of regulation. I would be very surprised if this didn't lead to a great unification of the regulatory structure in the US for banks, by basically they don't want loopholes like SVP to survive. If the FDIC ensures all deposits, then that will clearly imply a very substantial increase in insurance fees and very much tighter oversight. You can't have banks outside the regulatory safety net in this way. It's going to have to because I believe we will have further crises.