I wonder if it works at both extremes: 1. if you know your deposits are at risk then you actively work to derisk them, for example placing most of your cash in

I wonder if it works at both extremes: 1. if you know your deposits are at risk then you actively work to derisk them, for example placing most of your cash in T-Bills. 2. if you know your deposits are safe then you just keep them in the bank. The middle seems less stable.