[theEXTORTCIST]

Some relevant info: In the USA average consumers are protected by the FDIC for the balances of their deposits up to $250,000. A large number of banks have consumer liability limits in place for protection from fraudulent charges on their credit cards.

https://www.fdic.gov/consumers/banking/facts/

[jhoechtl]

In case of large defaulting companies history has shown that there are no 100% safety nets despite all claims.

Those claims are made to increase trust and lower market interest rates for companies to borrow money but regularly failed once really needed.