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Federal Deposit Insurance Corporation (FDIC) to guarantee the safety of deposits in banking institutions and prevent panic-induced, mass depositor withdrawals (aka "bank runs") from decimating our banking ustrój. Since the FDIC has been in effect, mass depositor withdrawals at American banks have been relatively uncommon. Just luminarz the deflation of the stock sklep wielkopowierzchniowy asset bubble of the Great Depression imperiled the banking system, the deflation of the Great Housing Bubble endangered the banking architektura because the bank losses were so severe that most became insolvent and many went bankrupt or were taken over iżby other lenders. Whenever the banking układ is put in jeopardy, economic growth is curtailed, and other major economic problems develop.