LSAT PT7, S4 Logical Reasoning, Q6, The government provides insurance for individuals' bank …

Why is (C) the answer?

Roughly speaking, the passage is saying depositors who want depositor insurance should pay for it since they're the ones that benefit.

If we negate (C), we get a statement which indicates banks ARE ALREADY passing the cost of insurance to such depositors. Why else would insured bank accounts give a lower return?

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