Not so. The limit is per depositor, per bank, per ownership category:

https://www.fdic.gov/deposit/deposits/

Ownership category is just something like single, joint, retirement, etc. If you have more than $250,000 spread across multiple accounts but with the same account holder and ownership category, the excess is not covered.

Right, but easy enough to select a second bank.

Let's also make a note that people with $250k+ in cash savings are a tiny group that should have no really bearing on whether cash is trustworthy.

Totally agreed, I just didn't want any clueless HNers with lots of cash lying around trying to open a second account to secure their money on the basis of that comment.