I can see your educated, reasoned, wise, and eloquently articulated analyses.
It's a truly compelling argument, unassailable in it's logic and historical citations.
I applaud you. You have a truly dizzying intellect.
Oh! You don't judge movies by what they are, but instead by what you want them to be. Any movie you personally don't like is bad. As though you're supposed to be the target audience for every movie. I love that for you. Super great perspective. No notes.
It really is.
It's entertaining, funny, heart-renching, poignant, surprising, satisfying.
It's a fantastic wild ride.
ABOVE the 250k level is what they aren’t LEGALLY required to cover.
Yes that's just reiterating what I literally said originally.
There aren't different tiers of FDIC insurance. The banks aren't choosing to paying for extra coverage. The FDIC is a federal program. Yes the banks pay into it. It's required by law that they do. But the FDIC decides on it's own if it will cover more than $250k. And they have, for every bank collapse, no matter the size, at least since the late 90s.
The banks and credit unions aren't the one's covering the deposits. FDIC is for when the bank itself fails, when they can't cover their customer's deposits.
And yes it happens all the time for regional banks and credit unions. SVB was news only because they're an odly large and important regional bank. But they were treated by FDIC like any other. No depositor at any retail bank in the US has lost their money due to a bank failure in 20+ years.
While that is what they're legally required to insure. The reality is that even people with 10s of millions get fully covered. The FDIC has been covering 100% of retail bank accounts for a couple decades.
Most recently when the Silicon Valley Bank collapsed, accounts with over $60M were fully covered.
I used it for almost a year.
It took me ~2 months to find, understand, and tweak settings until I stopped running into issues with sites at least one every couple weeks.
I don't understand how anyone anyone thought or thinks it could be better to use electricity to pull hydrogen from water, then turn it back into water to get electricity again, with energy losses of 40-60%. Not while you could just keep the whole chain as electricity, with losses of ~10%.
I understand what you were asking for. People ask for what they imagine. What they can imagine isn't always what they want. Sometimes an entirely different idea can work better than they imagined.
By what you wrote, you want to be able to access Facebook and Instagram anonymously. The essayist most reliable way to do that is with a disposable account. Work around sites aren't all that reliable. They work for a time then get swatted down, or limited in some way.
I made my Instagram account several years ago. I think I posted a couple photos at the beginning, now that I'm thinking of it.
Try generating 2-3 random AI images and posting them. Just to establish the account at the beginning.
It also makes sense that they're more strict now. It may not work anyway.
I just made a dummy account. No posts no follows. I only use for occasional links people send me.
You're not, actually.
Criticism requires more effort, understanding, and explanation.
What you're doing is complaining, or whingeing. "No like movie. Movie bad."