But, raising the coverage limit for each account is not a remedy since it would also increase the aggregate amount of insurance coverage that large multi-bank organizations would be able to offer. The disparity would remain. Conclusion Several aspects of the deposit insurance system need reform.
4  See Mokyr, “The Next Age of Invention.”  2  BIS central bankers’ speeches  growth? Or have increased taxes on the returns to saving and investment to support transfer programs potentially reduced productivity growth? Regulatory and tax burdens can often act to reduce entrepreneurial activity and innovation and thus retard productivity growth.