Bobsays 

Apparently, you are afraid to do your research. So here is some free info for you as it is apparent you are confusing CDIC with 'bail in' provisions. 

Deposits above the CDIC have never been protected in the event of bank insolvency, but banks cannot 'take' the money in excess of this amount. 

"The basic concept is that a failing domestic systemically important bank (D-SIB) could have its eligible contingent capital permanently converted into common shares to allow it to continue operating."

"only unsecured debt that is tradable and transferable and with an original term to maturity of 400 days or more would be subject to conversion. That would have excluded all deposits."

"Subsequently, the Finance Department indicated that all deposits, including guaranteed deposits, would be exempt from a bail-in."

https://www.google.ca/amp/business.financialpost.com/fp-comment/joe-oliver-how-the-budgets-bank-bail-in-changes-could-cost-canadian-depositors/amp

Cont.....