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I’m thinking the people with this kind of money probably don’t use our riff-raff banks.
They're not keeping a million sitting around in cash. Investment accounts have a separate insurance program
Not someone who has that kind of money, but people who have enough money to want it perpetually invested and growing (so they can periodically withdraw from it without impacting the base fund), throw it into an index or money market fund like those provided by the big 3 (Vanguard, Blackrock, State Street).
Although you will still need a bank regardless in your life for things like checking accounts and credit cards.
They use the same banks as us, they just have a VP's direct cell number rather than talking to a run-of-the-mill teller during business hours.
JP Morgan didn't get all their assets by exclusivity serving low net worth individuals.