Thank you for your comment. You're not a whacked out conspiracy theorist. There are big problems with the fractional reserve monetary system. I think some smaller community banks and credit unions are okay, but they still use fiat. The big banks are not your friend IMO. Wells Fargo is not, anyway. Banks are for checking accounts, maybe rainy day savings. Use banks to pay bills that must be paid in fiat dollars, miscellaneous spending, deposit your paychecks, etc., but certainly look to diversify where you can. BitCoin, crypto, gold, silver, etc... even real estate and reasonable investments (401K, IRA, Roth IRA, etc.). Take ownership of your money and give it a chance to grow, however you can. Stuck in a fed bank, it's losing value and they nickel and dime you.