Bank customers will pick up the bill. There are actually a large number of US residents that aren't bank customers or are too small to meaningfully increase fees on. This will cost money but it will be smeared out across businesses and middle class/upper class individuals.

It's an in extra cost that the government is forcing people to pay against their will, in order to achieve social objectives decided by the government. It's a tax and making banks act as the collectors doesn't change that. I really hope the tech community doesn't try and pull this sort of stupid word game on the rest of society because everyone will see through it.

So you're saying they're just raising an existing tax by that logic (since FDIC is already using this mechanism and all banks already pay into it for the base FDIC insurance)

Yes!