You are getting downvoted, but the core is what you say is true. Banking, as it exists today is inherently an unstable activity due to interest rate risk and l

You are getting downvoted, but the core is what you say is true. Banking, as it exists today is inherently an unstable activity due to interest rate risk and leverage. Regulators at the Federal reserve are actively working against a much safer form of banking for depositors (narrow banking). All you have to do to get safe banking is get the fed to approve allowing money market fund accounts to have the same access as banks.