That money is an asset under the control of the bank, sure. But you are willfully ignoring a key aspect of the terms and conditions: That when you ask to withdr

That money is an asset under the control of the bank, sure. But you are willfully ignoring a key aspect of the terms and conditions: That when you ask to withdraw your deposit, the bank provides that money. If you want to keep pulling on that thread, you will find it connect almost directly to the root problem of large-scale human organization: Some people think that when you put your money in a bank it is incumbent on you (it is your personal responsibility, they may say) to ensure that that bank will not close and run away with your money and if they do it's your own fault and you got what you deserved. Other people think that when you put your money in a bank, you should be able to trust a broad social contract that prevents your money from being stolen.