As I understand the FDIC, it has always had only a small percentage of its liability funded at any time. There has never been a discussion to fully fund it. And I think it is supposed to garner major funding from the liquidated assets of failed banks. Probably another political pipe dream. And back in the saving and loan scandal didn't a major portion of the depositors have to wait until the Resolution Trust liquidated everything before they got their "insured" deposits. Some waited years [at ZERO interest] to get up to $100,000. of the principle back.
Not an insurance policy you would go out and buy on your own. Another example of, "I'm from the Government and I'm here to help you!!!!"
Dan