As a result of the SEC’s inaction, money-market funds will continue to operate outside the scope of bank-style rules on capital and reserves, even though investors treat them like bank accounts. Unlike banks, though, they do not pay the government to insure their investors.
即便投资者依然将其当作银行账户般看待，但由于证券交易委员会的不做为，货币市场基金将继续在银行式的资本和储备规则之外运作。跟银行不同的是，他们并不会像政府付钱来为投资者担保。但2008年的金融危机显示，当情况危急时，政府依然会为货币市场基金撑腰。