Funds to help the banks will come from the Bank Term Funding Program (BTFP) which makes short term loans to shore up financial institutions during a financial crisis, The BTFP allows the FDIC to provide additional funds to banking institutions to make sure they have the funds to meet needs of their depositors, accepting collateral not normally accepted. It is backed by funds from the Exchange Stabilization Fund. That includes assets normally considered too risky. It allows the FDIC to trade credits with the U.S. Treasury in order to draw funds. It can also draw Special Drawing Rights from the World Monetary Fund (WMF). They aren’t currency but are a claim on funds held by the WMF. It spreads the risk. Large banks support small banks with loans to cover their loans, enabling small banks to loan beyond their ability to cover their loans. By guaranteeing all deposits, the government has eliminated the risk, and eliminating the risk has a downside. Banks are normally cautious how they use their funds to limit their loses, however, without risk, they are tempted to take any risk that will net them a profit. That is courting disaster.