Neither. That is why cryptocurrencies were created. 2008 Mortgage crisis blow-up mortgages stole citizen's money in bank accounts (deposit custodial accounts).

Neither. That is why cryptocurrencies were created. 2008 Mortgage crisis blow-up mortgages stole citizen's money in bank accounts (deposit custodial accounts). The bailout was to hide/replace this money. Citizens don't trust private banks. They don't trust the government since congress sells out to lobbyists.