You give them $100,000 and they store $5000 of it, at best. If other people take their money out first you'll end up with zero, if you're lucky though a govern

You give them $100,000 and they store $5000 of it, at best. If other people take their money out first you'll end up with zero, if you're lucky though a government bailout will come along and the loss is outsourced onto future taxpayers. The bank doesn't have your actual money on hold in case you want it.