You've baked the answer into your question. They wouldn't have a bank account singular. In fact nobody recommends holding one bank account, under any circumsta

You've baked the answer into your question. They wouldn't have a bank account singular. In fact nobody recommends holding one bank account, under any circumstances. Banks can and do freeze accounts for any reason. You always have some backups standing by. You also don't keep all your assets that way. Businesses can hold reserves in stocks or bonds or gold or cash in a safe just like everyone else.