Comment Re:You should assume most of it will be gone (Score 1) 94
PLEASE GOD STOP BEING STUPID.
No, you will not eat a loss if the DIF runs out of money. FDIC insurance is backed by the full faith and credit of the US federal government. Hence, the federal government must pay claims if the FDIC becomes insolvent. The DIF is just there as a mechanism to try to make bank shareholders eat losses, through insurance premiums, instead of taxpayers.
Don't believe me? Your doomsday scenario happened in the 80s with the FDIC parallel for S&Ls. The FSLIC became insolvent, so federal government money was used to make depositors whole up to the limits of the insurance coverage. Not doing that would have been the federal government defaulting on its debts.