Well, right, banks generally work as intended. It's just they blow up sometimes. The oldest bank up until the 80's was Baring Brothers and they were so respec

Well, right, banks generally work as intended. It's just they blow up sometimes. The oldest bank up until the 80's was Baring Brothers and they were so respectable, just so respectable, and then they collapsed by doing fishy things. The worse thing is, conditions can change very rapidly and you may no longer be able to withdraw your money for a few months while the currency is being devalued (like Argentina), or all the banks might start blowing up at the same time (United States, Chile in the 80s), or you might get invaded (will the bank's security save the day?), or the bankers might not be cut out to be bankers (I know a bank with 4-digit passwords).