What's the Best Case Scenario for Depositors?

The FDIC has created these dividend certificates, and the idea is that they can pay a dividend out on those certificates. The unintended consequence here would have just crazy things such as a SaaS company can't make its payroll or the SBB credit card gets shut off. There's just going to be story after story of weird unintended consequences when a company all of a sudden doesn't have access to its capital.