The FDIC is an agency of the Federal Government. In reality, it can never go broke.
It can however, run out of "cash-on-hand".
Why do you think they went insane printing money in QE1, QE2, QE3, QE4?
Did you know we're currently in an "unofficial" QE5?
I've been lucky enough to find at least a handful of people who seem reasonable and willing to engage in civil conversation.
If I undelegate at some point, don't take it personally, I probably just have other priorities demanding my attention.
I believe delegating is vastly superior to casting my below-minimum-payout vote around.