The Risks of Uninsured Depositors in the Banking System

When rates were near zero, no one cared. Now the rates are meaningful. You can get 4% and change. And that combined with mobile banking means that they can quickly move their money. Is that now a risk? Do you have to look across the bank landscape and then say what are you actually paying depositors? Are you not paying them enough and is that putting you in a risky position?"