Alternatively, you could look at it as a loss for Bank shareholders which is a much smaller group or a loss that falls predominantly on large account holders.
Let's not pretend that a student with $20 in their bank account is paying as much towards FDIC insurance a multinational with a billion dollar account
Billion dollar accounts don't pay anything towards FDIC insurance for they are not insured by the FDIC. Someone who has $20 in their bank account is obviously paying more.
Under current law FDIC member banks pay assessments on their total liabilities, which include uninsured deposits. Account holders do not directly pay anything for deposit insurance, and what they do pay is largely in the form of lower interest.
The only thing worth paying for would be paying a bank custodial fees so they do not lend out your deposits to anyone. Otherwise it is the banks responsibility to insure funds that they are allowed to legally lend to others, to make good on the very idea of a deposit (as opposed to a loan) in the first place.
Let's not pretend that a student with $20 in their bank account is paying as much towards FDIC insurance a multinational with a billion dollar account