题目选项分析

Bank depositors in the United States are all financially protected against bank failure because the government insures all individuals' bank deposits.An economist argues that this insurance is partly responsible for the high rate of bank failures, since it removes from depositors any financial incentive to find out whether the bank that holds their money is secure against failure.If depositors were more selective.then banks would need to be secure in order to compete for depositors' money.

Which of he following, if true, most seriously weakens the economist s argument?

【选项】There is an upper limit on the amount of an individual's deposit that the government will insure.but very few individuals' deposits exceed this limit.