Given that the FDIC estimates the cost of bailing out IndyMac at $4-8Billion, why did they offer 50% payments up front for deposits in excess of $100,000? Anyone with over $100K in an account with IndyMac had to be either greedy (chasing a few BP higher yield), careless, or ignorant. That limit is well-publicized; why should FDIC partially bail out these folks?