[Narsil]

You should read the fine print about the wonderful world of FDIC insured accounts. In particular, you should note the minimum required payment schedule. Most people assume that if they have $25,000 in an insured account in a bank that fails, the FDIC writes them a check for $25,000. Apparently not; I heard recently (although I haven't verified it yet) that while they are required to give you all your money, they don't have to give you a lump sum. They can pay it out to you in monthly checks, at some ridiculously low amount. I believe the number I heard was $30 per month.

Again, I haven't been able to verify this.