Deposit insurance: Group of answer choices leads depositors to be less inclined to monitor bank operations. often makes banks more accountable for their actions and less likely to engage in risky behavior. essentially serves the same function as a fractional reserve system. can increase the possibility of bank runs Deposit insurance: leads depositors to be less inclined to monitor bank operations. often makes banks more accountable for their actions and less likely to engage in risky behavior. essentially serves the same function as a fractional reserve system. can increase the possibility of bank runs.