Bail-ins are all but guaranteed at this point. So are negative interest rates - where you are charged money to save - on top of inflation, which is already a form of tax payable to banks and creditors.

But the worst weapon against sound economics is derivatives. Due to the fantastic leverages available through certain kinds of derivatives, and the brobdingnagian enormity of the derivatives market, even a very minute trigger can shuffle the entire house of cards.

What is obvious from even a cursory glance at history is that the individuals producing the actual wealth that financial tricks and schemes deliver and concentrate into the hands of rentiers aren't protected from the tricks and schemes that will topple the markets sooner or later.

I don't use banks. Until the underlying structure of markets changes to respect the actual producers of wealth, I won't.

I hope everyone does appropriate due diligence regarding the structure of markets and finance, because when they seize your accounts to add to their balance sheets in a meltdown, not having done so will make your losses your fault. There are other mechanisms to transfer, store, and increase stake that aren't subject to seizure by banks preventing losses on their books. Rational people will discover, use, and profit from them.

Thanks!