Runs which, arguably, would not have happened if there was some form of deposit insurance for wholesale depositors.

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The problem here is that as long as a federal form of deposit insurance exists, we'll have no individual incentive to change.

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Form 8888, Direct Deposit of Refund to More Than One Account.

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"If the IRS thinks it is important enough to warn you, you had better pay attention, " says Slott. (Taxpayers still have the option on Form 1040 of direct deposit into only one account, but some of the warnings on the 8888 apply if that one account is an IRA).

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There is however a new form of insurance you can purchase from Radnor, PA-based Commercial Deposit Insurance Agency that will protect you.

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Individuals fill out a four-page form declaring that they have created a super PAC and have a bank account or safe deposit box.

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The Bitcoin deposit will then be posted to a user's Foodler account as 'FoodlerBucks, ' a recognized form of payment for delivery, takeout and tips for any participating Foodler restaurant.

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But in China, where most savings are in the form of bank deposits and where earnings on savings are a significant portion of total household earnings, lowering deposit rates tends to increase the savings rate.

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