Money market funds are widely (though not necessarily accurately) regarded as being as safe as bank deposits yet providing a higher yield.
The "too big to fail" theory asserts that certain corporations, particularly financial institutions, are so large and so interconnected that their failure would be disastrous to the greater economic system, and that they therefore must be supported by government when they face potential failure.
The global economic system must also deal with sovereign states being too big to fail.
Opponents believe that one of the problems that arises is moral hazard whereby a company that benefits from these protective policies will seek to profit by it, deliberately taking positions (see asset allocation) that are high-risk high-return, as they are able to leverage these risks based on the policy preference they receive.
The word “claim” as used in “insurance claim” means to ask for something.
As national radio talk show financial advisor Bruce Williams has said “you don’t ask … And, as “The Donald” says, “it’s not personal, it’s just business.” While insurers have a legal duty to act in good faith and answer your questions about the policy truthfully, they are not obligated to tell you what to claim.