$250k is nothing for a company. It's 1 engineer salary. And, no, it's not $1k. It's more like $10k-$20k per month, plus all the overhead of having your money in multiple bank accounts and shuffling it all around just to never hit the $250k limit.
Just my 2 cents on this strawman part of discussion.
Just my 2 cents on this strawman part of discussion.