BANK IS A FINANCIAL PYRAMID! IT DOESN’T HAVE ENOUGH MONEY FOR ALL DEPOSITORS! AND IT WILL NEVER HAVE!
And what about guarantees? Pieces of paper?
It’s nothing but ability to “splurge”. Nice distraction.
How can they be guarantees if banks violate them every day? At the same time people lose their money despite a pile of signed documents. Where is the money? The bankers have just blown their depositors’ money on drinks/food/discos or have invested it etc. That’s it. There’s no money, leave it.
Is it fair and reasonable?
Not so much. Don’t deceive yourselves.