Apologies for the bluntness, but this is just extremely naive. The bank, at its discretion or under order by government, can and will prevent the transfer of f

Apologies for the bluntness, but this is just extremely naive. The bank, at its discretion or under order by government, can and will prevent the transfer of funds, so it's really just a case of Murphy's law. I don't know why there has to be appeal to "fetish fantasies". Is it so hard for you to imagine a scenario where you or others might unjustly be the target of nefarious actions by public or private parties who would wield the bureaucracy of banking system against you? This isn't a hypothetical, one of things opposing counsel does in a lawsuit involving money is to attempt to freeze or restrict your accounts. You may have never been in a situation where a bank prevents you from moving money, but it happens, and the worldview you are espousing doesn't survive first contact with such a situation. But you don't have to take my word for it. There's a reason the market for gold ingots exists, and it isn't just to guard against inflation.