People are also not allowed to trade stocks at such a massive leverage as they did in 1929 (which was the actual reason for crash - massive volume of leveraged

People are also not allowed to trade stocks at such a massive leverage as they did in 1929 (which was the actual reason for crash - massive volume of leveraged trades and thus, margin calls and forced sales). And investment banks are separated from banks holding people's deposits, so you can be sure your deposits aren't participating in stock trading - especially not leveraged trading. They massively did in 1929, however batshit crazy it may sound today.