PDIC: What happened to the insured deposits?

Rumors say that the PDIC deposit insurance coverage is now just P250,000. Yup, just exactly totaling P250,000, regardless if you have solo and joint accounts.

Previously, the effective deposit insurance coverage for each depositor is actually P500,000... that is, P250,000 for his solo accounts, and another P250,000 for the sum of his shares in the insured portion of each of his joint accounts.

That is why a Juan dela Cruz would dare to deposit P250,000 in a near-bankrupt rural bank with account name Juan dela Cruz, and another P250,000 in that same bank, but with a different account name, Juan dela Cruz and/or Anna dela Cruz, and still another P250,000 in the same bank with account name Juan dela Cruz/and or Mario dela Cruz. Should the poor bank fold up, all three bank accounts are covered by PDIC insurance, with Juan dela Cruz getting his P250,000 from his solo account, and the two P125,000, which are his shares in the two joint accounts. Both Anna and Mario would get P125,000 each, plus any other insured deposits under Anna and Mario's names.

Under present guidelines, if these rumors are true, Juan could only claim P250,000 for his deposits in the closed bank. While Anna and Mario could claim P125,000 each. The balance of P250,000 is not anymore insured.

Truelaloo? or Eklavoo? (yaakkk so baduy!)

The PDIC website does not anymore display the illustrative examples that show that a depositor is entitled to a deposit insurance of P250,000 for his solo accounts, and another P250,000 for the sum of his shares in the insured portion of each of his joint accounts. Hmm.. maybe its true.
So what happens to the hundreds of Juan dela Cruz's, who have deposited so much money before, without them knowing that the rules have changed, and they are not advised that a big chunk of their deposits are no longer insured?

Could it be an intentional amendment to victimize people?