一道veritas讲义上面的题，不知道是不是试题，谢谢大家！

autumnbubble

The goverment provides insurance for individuals' bank deposits, but requires the banks to pay the premiums for this insurance. Since it is depositors who primarily benefit from the security this insurance provides, the government should take steps to ensure that depositors who want this security bear the cost of it and thus should make depositors pay the premiums for insuring their own accounts.

Which one of the following is assumed by the argument?

(a) Banks are not insured by the government against default on the olans the banks make.

(b) Private insurance companies do no have the resources to provide banks or individuals with deposit insurance.

(c) Banks do not always cover the cost of the deposit - insurance premiums by paying depositors lower interest rates on insured deposits than the banks would on uninsured deposits.

(d) The government limits the insurance protection it provides by insuring accounts up to a certain legally defiend amount only.

(e) The government does not allow banks to offer some kinds of accounts in which deposits are not insured

为了不影响大家思路，先不写正确答案了，说不定提供的答案是错的，谢谢大家阿！