Many of the arguments for deposit guaranty start from the point of guaranteeing deposits that originate through the deposit of actual cash or cash items, that is, primarily savings deposits, and pass by confused steps to guaranteeing all deposits. It is alleged that vast funds are now hoarded by people suspicious of banks and that these funds would be put into banks if deposits were guaranteed. If the argument is one of safety it is answered by the postal savings banks and the war savings stamps. Some eccentric persons or foreigners may be influenced by guaranteeing deposits, but the increase of deposits from this source would probably be small. The argument applies primarily to savings deposits, and in general deposit guaranty, as operating in the several states, applies only to commercial deposits. The repeated proposal of the Comptroller of the Currency to guarantee deposits of every depositor up to $5,000 also springs from the desire to prevent individual distress among the small depositors of savings.