In my open letter to Treasury Secretary Geithner I suggested the government impose an interest-rate ceiling on all FDIC-insured deposits. At the risk of inviting hate mail I think it is time for American taxpayers to demand it. Looking at the paper yesterday I saw that one of the weaker local banks in my community was offering over 4% on FDIC insured deposits of less than $25 000. That's higher than the home-equity-line pricing offered by a regional bank in our area in an advertisement literally on the same page. The problem the banking industry faces today is that ...