The point of bitcoin is that you don't need FDIC protection. You need FDIC protection with a bank because the bank isn't required to hold enough reserve to cover its deposits. If there's a run on the bank, and everyone wants to pull their deposits out, and the bank is insolvent, then the government guarantees to protect consumers by printing more money (inflation) to fulfill the bank's reserve requirements.
With bitcoin, you either have it or you don't. You can run your own bank, as long as you know how to safely store a private key.
With bitcoin, you either have it or you don't. You can run your own bank, as long as you know how to safely store a private key.