The upside is that the bank you keep your money in doesn’t go out of business. Why keep your money there in the first place if you don’t get some kind of servic

The upside is that the bank you keep your money in doesn’t go out of business. Why keep your money there in the first place if you don’t get some kind of service you like from the bank? I feel the exact opposite as you. Now that essentially 100% of deposits are guaranteed indefinitely, there is only downside to withdrawing.