The FDIC does not have shit. They are owned by a bankrupt corporation. A bankrupt corporation cannot “guarantee” anything. It does not have the financial ability to do so. Think about it, if you have no money and you are broke and constantly borrowing can you guarantee anything? No.
The FDIC has less than 2 dollars. Do you think any of the thieving bastards running this shit show would actually leave 200 billion dollars laying around? It was long gone long ago. They are going to steal your “assets” to pay their bills. The United States debt is not yours and my debt any more.
Check your contract with your bank. When you make a deposit you are giving the bank an unsecured loan (unless you can arrange a “special deposit agreement”, you might want to study that). The money you have is not yours when you deposit it. Don’t feel bad, according to the Untied States Treasury and the courts, Federal Reserve Notes are not money anyway.