Not difficult for the average person. Extremely difficult for a business running hundreds of thousands in transactions per month.

This. Entire companies exist to help try and solve this problem for businesses.

... until you find out the FDIC itself has a weak reserve ratio against their insured accounts, meaning they will be as broke as everybody else in a systemic banking failure.

They've been around almost 100 years now... They went through 2008. The reserve ratio seems low, but when you consider the likely asset coverage for the first ranking creditors across the entire industry, the FDIC doesn't need to cover much.

and that's how you and I will be bailed-in my friend.