Circular Insurance

The Federal Deposit Insurance Company (FDIC) is broke after doing its job - covering our bankrupt American banks for up to $250,000 per depositor. The FDIC needs a loan and guess where it's thinking of getting the money?

http://www.nytimes.com/2009/09/22/business/22bailout.html?_r=1&scp=1&sq=fdic%20broke&st=cse

Yep, it's going to take a loan from healthy American banks. It seems odd to me that the FDIC is going to take a loan from the same pool of money that it insures.
Consider:
Would I borrow money (paying interest) from the millionaires living in the hills east of LA in order to be able to provide them home hazard insurance at an affordable (i.e. discounted) price? Would I do this even when each summer the Santa Anna winds of those hills blow by the 'Fire Risk' signs with the dial pointing to red? And what if I actually had just recently loaned the millionaires some of the money that they are loaning back to me so they can meet their cost of living in those homes. And what if the money I loaned the millionaires so that they could loan it back to me so that I could insure their fire imperiled homes was money I borrowed from an unborn generation.

Sorry, maybe that's a bad analogy ..

but to continue, Maybe there is something more important than trying circuitous paths that attempt at our previous direction, one of complex financial tools and transfers used to make it impossible to know who is left holding the bill. Maybe we should make more of an effort to live according to our means. And maybe we shouldn't have homes in fire infested hills.