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Banks won't fall because they're so well backed up it's insane. Those banks that supposedly "fall through" fall either because they stole the money and intended to do so, so they can get away with it easier, or they dealt with shady things, and goverment closed them down. Other then that, they won't fall.
But if you want to be sure, go with the bank that makes it the hardest for you to get a loan, and requests more insurances then other.
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