Note that bank deposit insurance schemes are pointless. The 100 000 number means nothing. Just one small to mid size bank can be covered by these schemes; but in a crisis there will be several banks and AFAIK the money in the scheme is roughly 1/10 of a percent of all deposits in a region
The US deposit protection scheme does run like that, where there is a defined fund to pay out, and the possibility of exhausting it.
Other countries, such as the UK, do not have a limited fund. All deposits are guaranteed up to the insured limit.