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I completely forgot about bail-ins... You are absolutely correct.
You're not alone. Almost nobody knows about bail-ins. With the troubles that some US banks are having right now, a lot of Americans might learn about bail-ins the hard way very soon.
I have a savings account, so this is a concern for me personally. While that account is nowhere near the $250k FDIC limit, I have no faith in the FDIC's ability to cover even my meager savings account.
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