FDIC usually doesn't protect against attacks on individual depositors. Fraud, scams, and theft for instance arent covered. If your bank just steals it FDIC usually won't be for that.

  Deposit insurance coverage protects depositors against the failure of an insured bank; it does not protect against losses due to theft or fraud, which are addressed by other laws

And that's why I said federal regulations. FDIC covers failure of your regular savings, SIPC for brokerages, and the myriad of federal regulations (Reg E, Reg CC, OCC/Federal Reserve, CFPB) covers these edge cases.