Biden (etc) will say that it's important to EXCEED the $250K limit for this bank, because of <<insert garbage reason here>>.
Oprah, Harry, and others will be made completely whole, and receive hundreds of millions of FDIC dollars...each.
They will get away with this because the normies do not pay attention until they are personally affected.
And once the 'widespread banking collapse' happens, there will be nothing left in the FDIC coffers.
It will already have been distributed to Oprah, Harry, and other billionaires.
Sound theory?
They rewrite laws as they see fit.