Increasing FDIC insurance ... why!?

$100k FDIC insurance is where we're at. They want to increase that to $250k, which is great. But given that the US population doesn't actually have any savings, what's it going to actually help with?

According to several surveys, Americans save only about $400/year, while the average american has a credit card balance of $16000


http://www.creditcards.com/credit-card-news/credit-card-industry-facts-personal-debt-statistics-1276.php

http://www.doctorhousingbubble.com/american-savings-americans-save-an-average-of-392-per-year-total-consumer-debt-is-over-25-trillion-the-dark-knight-of-debt/