One of the best adjustments during the recent economic collapse was the increase in Federal Deposit Insurance per account. The amount was raised from $100,000 to $250,000 per account. What does that do? It calms the big money accounts down and prevent the biggest run on banks, which in turn would destroy banks capitalization, which was one of the primary drivers of the collapse- the lack of proper loan-to-capital ratios.
Quick point- when banks make a loan it is an Asset, when they take a deposit it is a Liability.