Most serious are the long-term public health and safety consequences of this government shutdown. The CDC, for example, announced a suspension of its annual seasonal flu activities just as influenza season kicked off.
With a debt limit deal that will be carefully dissected in the days to come, President Obama faced a choice that was just about as difficult as King Solomon's: allow the country to default or give in to demands from a small group of radical ideologues.
Even though FDIC deposit insurance is a federal program, it is not likely to be an immediate victim of a possible federal government default. In the long run though, anything is possible if things reach such a dire outcome.