Whenever you hear politicians in Washington talking about passing a law to protect Main Street, it is a good idea to make sure you've got at least one hand on your wallet.

With the latest iteration, Congress is now flirting with a massive handout to some of the nation's largest banks--which they have cleverly disguised as a way to benefit small businesses.

Dubbed the "Main Street Depositor Protection Act," the legislation sounds well-intentioned on the surface. It would hike federal deposit insurance for non-interest-bearing business accounts from the current $250,000 limit to a staggering $10 million. Proponents claim it's a lifeline for community banks and small businesses.

But let's be honest: How many local bakers, tailors, or mechanics keep $10 million sitting in the bank? The fact

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