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@techreport{NBERw6063,
 title = "The Legacy of Deposit Insurance: The Growth, Spread, and Cost of Insuring Financial Intermediaries",
 author = "White, Eugene N",
 institution = "National Bureau of Economic Research",
 type = "Working Paper",
 series = "Working Paper Series",
 number = "6063",
 year = "1997",
 month = "June",
 doi = {10.3386/w6063},
 URL = "http://www.nber.org/papers/w6063",
 abstract = {Without the Great Depression, the United States would not have adopted deposit insurance.  While the New Deal's anti-competitive barriers have largely collapsed become" deeply rooted.  This paper examines how market and political competition for deposits raised the level of coverage and spread insurance to all depository institutions.  A comparison of the cost of federal insurance with a counterfactual of an insurance-free system shows that federal insurance ultimately imposed a" higher cost but achieved political acceptance because of the distribution of the burden.},
}