What is a major risk of using a financial institution?

(1 point)
Responses

The financial institution may fail entirely.
The financial institution may fail entirely.

Financial institutions may choose not to pay investors back.
Financial institutions may choose not to pay investors back.

Investors can be unable to withdraw money when they need it.
Investors can be unable to withdraw money when they need it.

Insurance will not cover any losses incurred by a financial institution.
Insurance will not cover any losses incurred by a financial institution.
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The financial institution may fail entirely.