Some say no, saying that public banks are backed by the national treasury, and CDIC coverage would be a waste of insurance fees and leave more money vulnerable to the schemes of illegal operators.
參加存款保險只是浪費保費，拿公帑貼補風險大的違規經營者而已。梁成金卻不同意這種看法。他認為：保險的精神在於分擔風險，就好比健康的人也要投保人壽保險。