The way the funding for a depositor scheme in The Netherlands is organised, is that all the Dutch bank 'chip in' (?) into this fund,- all based on their seize. The idea is that one day it could be 'the other bank' , so they all share the burden. So it's not the citizens who have to pay.

Regarding 3 It is generally accepted that offshore deposits are riskier,- if there is a higher risk, the interest rate should be higher, which is not really the case. Regarding 1; Ask yourself this; would you book a room in hotel, if you would find a fire extinguisher on every courner in your room? So is a high coverage of a protection scheme a good signal or a bad signal?