Good point. Fun fact: many years ago, when I studied banking, I had a class on these "deposit insurance systems". After one of the lectures I came up to the lecturer and pointed out a weak point in the system, where a very small group of people (say, a dozen) with enough money could pretty easily destabilize the whole country-wide system. His reaction was priceless. "You're right! I never thought about it! I have to bring it up during the next meeting of the council of [the banking regulatory body in my country]!" (He was a member of that body.) After a while of chatting I told him that I also study mathematics. This led to the strangest compliment I've ever heard: "You know, many of those famous fraudsters were mathematicians!" ;-)
