Could you remind me the last time FDIC has been unable to pay?
If enough people go to the same coffee shop all at the same time, there'd be carnage. Fortunately, shit like that hasn't happened yet, so while it remains a metaphysical possibility, color me not worried.
It is Bank deposit insurance. It is not banking system insurance. It was designed to prevent runs on individual banks, not on the entire banking system. It was dangerously undercapitalized in 2008 and required a bail-in and also had to hike rates to repay the emergency loan.
So TL;DR: FDIC has never been unable to pay? But you're worried that it might, some day? Gotcha.
BTW, you say FDIC hiked its rates? Yet I haven't noticed it on my bank statements. I'm sure I'm unwittingly paying for those too, tho. Perhaps through inflation? Nope, the US dollar seems to be fine. It's almost as if ...nah.
Also, don't seem to remember FDIC being bailed in/out. Sauce? (not that I doubt your learnings)
You don't seem to be arguing in good faith, so I'm not going to expend the effort of goggling sources. History is filled with firsts. Things never happen until they do. I'm trying to warn people to be careful with whom they trust their money, but if you think that warning is unwarranted, I don't think I'll be able to convince you otherwise.
"It's easier to fool people than to convince them that they have been fooled."~ Mark Twain