5. In the U.S. and most other developed economies, bank deposits are insured by the government up to a certain amount. A key motive for doing this is that a. small depositors don't have the time and expertise to monitor their bank effectively, leaving them unable to spot potential problems and withdraw in a timely fashion. b. deposits are riskier than bank shares, so the government needs to make them safer by insuring them. c. regulators are better at spotting problems than bank managers are, so insuring the deposits transfers the risk from the bank to the more efficient party (government). d. bank managers may have incentive to take on excessively risky loans because much of the downside is shared with depositors and other debt holders