Effects of FDIC's Rate Caps on Healthy Banks?

When the FDIC announced its rate cap plans last year, it didn't seem that bad since the caps were intended only for less than well capitalized banks which make up a small percentage of the total banks. However, the Jumbo CD Investments blog describes how these rate caps are affecting the rates from healthy banks:

What is interesting that even healthy banks are deciding to follow the rate cap. I guess they figure if the FDIC thinks that is a “good” level they might as well fall in place.