Paradoxically, the Existence of Deposit Insurance

Paradoxically, the existence of deposit insurance:

A) reduces the risk to investors but increases the risks to depositors.
B) reduces the risk to depositors but increases the risks to investors.
C) reduces the risk to depositors but are indirectly linked to the failure of some financial institutions.
D) reduces the financial institutions' probability of failure but also increases the probability of bank runs.