I know account holders are insured up to $100,000 by the Fed. Government through FDIC... but the pledge, "Backed by the full faith and credit of the United States government" Seems kinda empty right now... I know I am not a math whiz... and I could be off my rocker but here is what I figured out a few minutes ago... (If someone has more concrete facts, please share them) but... • US Population = 242,677,893 age 16 and over… (CIA fact book… July 2008 estimates) • If only ½ of them have a bank account.. = 121,338,946.5 • IF only ¼ of those with accounts have $100,000 in the bank… That would be $3,033,473.662,500 3 TRILLION DOLLARS! And what about people with more than $100,000 in their accounts? Where would this money come from?