Nelson Peltz has an idea: charge depositors to insure their bank deposits in full past the federal FDIC limit of $250,000 through the Federal Reserve.
"All the money as we know is leaving the small community banks and regional banks and going to the three or four largest banks in America. That is a very dangerous situation that needs to be resolved," Peltz, founder of Trian Fund Management, told CNBC this week.
But Jim Cramer isn't so sure that this is the case, however.
"Are deposits fleeing from all regional banks?" Cramer asked his two million followers Tuesday.
Cramer hasn't revealed his plan yet, but that hasn't stopped social media from reacting to his tweet, mainly with pushes to buy bitcoin.
The inverse Cramer crowd was also in full force in the comments under his post.
Jim Cramer torched First Republic Bank on Monday. On Tuesday, the bank's stock was up more than 42% in early market trading, sending the Inverse Cramer crowd into a frenzy.
Other's questioned the current FDIC insurance threshold and gave a nod to Nelson Peltz's proposal.
U.S. officials have been tinkering with the idea of insuring all deposits in the wake of the collapses of Silicon Valley Bank and Signature Bank.
"I think that lifting the ... cap is a good move," Sen. Elizabeth Warren (D) told CBS on Sunday. "Is it $2 million? Is it 5 million? Is it 10 million? Small businesses need to be able to count on getting their money to make payroll, to pay the utility bills. Nonprofits need to be able to do that."
