Well strictly speaking virtually no bank has all of their depositors' money, otherwise they'd struggle to turn a profit. What you're saying is that the valuati

Well strictly speaking virtually no bank has all of their depositors' money, otherwise they'd struggle to turn a profit. What you're saying is that the valuation of their assets at maturation (or at market for non-maturing assets) exceed their current liabilities which should be true across the board. No large bank could pay out 50% of their deposits in a single day without becoming insolvent. And even if they could fully liquidate they couldn't all cover their liabilities at current market value.