As a result of government provided deposit insurance, the ratio of assets to capital for commercial banks since the 1920s has:

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Government-provided deposit insurance has made it less risky for customers to keep their money in banks, resulting in an increase in deposits. To accommodate these deposits, commercial banks have increased their assets, which has caused the ratio of assets to capital to almost triple since the 1920s.

As a Result of Government Provided Deposit Insurance, the Ratio