I'd say it's more likely that there will be at least slower rolling runs on smaller banks by large depositors. Keep in mind that the unlimited coverage only applies to the depositors of the two banks that were taken over, not all depositors everywhere. Keeping large balances in a bank that may not be deemed a systemic risk is still rolling the dice if said bank fails. (i.e. unless a bunch of other banks fail around the same time getting national attention, you'd probably be out of luck)