An emergencybackup generator is only allowed to operate for 200 hours every year and only in the event of an emergency power failure or for routine testing and maintenance.
Moreover, the government already has the resources to provide emergency liquidity, and it could certainly negotiate lines of credit with private banks if it felt more backup was necessary.
Mr. McBride says that for customers who feel they need a backup, transfer plans are best since the fees are cheaper and you are covered in an emergency.