Freeberg: The modern regulatory view is that when you open a bank account, you shouldn't have to think about the bank's balance sheet. He says it would cost us 18 trillion to basically ensure all the depositors. Freeberg: Is the FDIC fund adequate? And I think we're about to find out. It may be the case that a 1.3% insurance premium grossly understated the true risk of putting your deposit in a bank.