Why do people keep more money in a bank account than the FDIC insures it for?

Would it be smart to keep more than $100,000 in a checking account?
Why do people keep more money in a bank account than the FDIC insures it for?
FDIC.....is a false hope.....just think if we went in a depression and banks went under......the government couldn't pay everyone.......
Reply:There are different ways of getting higher FDIC insurance. FDIC is not insurance per bank account or each 100k unit. It covers 100k PER OWNERSHIP. What it means is that, for example, if you have 2 JOINT accounts (which is a type of account ownership) and 3 SOLE accounts (which is another type of ownership), you are insured for up to 100k for both of the joint acounts and another 100k for the 3 sole accounts. Also if you add beneficiaries to your account who are immediate family members to you, you can get another 100k insured per relationship.
Reply:for as little as you make on a checking account, why not just buy short term T bills?