M.M. Akask, an economist at Dhaka University, says it is not clear whether money to run the Grameen Bank's microcredit scheme is coming from depositors' savings, from loans from banks or from international donors.
Related grumblings about the need to protect Indonesian depositors from evil foreigners are legion.
The decision to exempt insured depositors from a tax has stopped one channel of potential contagion from Cyprus.
The new rules represent a difficult balancing act for the F.D.I.C, which is responsible for protecting depositors from losses.
"If you prevent depositors from moving from one area to the next," said Olivier Jeanne, an economist at Johns Hopkins University, "it means you don't have one euro".
"This is a once and for all levy," Mr. Sarris added, saying it should ensure no further flight of depositors from Cypriot banks.
But George Osborne, the British chancellor of the Exchequer, was among the ministers who warned against rules explicitly excluding depositors from losses, as risking an unintended outcome.
"This is a once and for all levy," he added, saying it should ensure no further flight of depositors from Cypriot banks.
Though financial institutions are not yet turning away customers at the door, they are trying to discourage some depositors from parking that cash with them.
The Swiss government also plans to increase protection for depositors from a current guarantee of 30,000 Swiss francs ($22,400), after similar steps were taken elsewhere in Europe.
