Economists call such situations "coordination failures," if depositors could talk to each other and coordinate their actions, they would be able to avoid a self-defeating run on the bank. By guaranteeing that there will be enough resources available for patient clients when they want to withdraw their funds, deposit insurance eliminates the coordination failure.
Ce type de situation est appelé échec de coordination par les économistes, car si les déposants se concertaient pour coordonner leur action, ils éviteraient sans doute de se ruer vers les banques pour retirer leur argent, ce comportement collectif finissant par se retourner contre eux.