Anyone who has studied some history would know the banks are unreliable. A lot of wealthy people lost everything, as consequence to the Bolshevik Revolution, and only a small minority of them managed to get to the Americas or France (often with little more than the clothes on their back).
Then Governments also have a tendency to inflate their currencies or replace them outright. I think the British pound is the world's oldest currency but even that has been inflated to the moon - they no longer make shillings anymore because, if it was brought back, it would be like half of a pence or even less (even though a pence was a lot of money back in the 1770s).
Let's not get started with the death tax (inheritance tax) that erodes savings for subsequent generations. When you think about it, the system is rigged to prevent the non-elites from accumulating any wealth.
agree with you
i've just read history of money and banking
seem banking system not reliable, especially when crisis come (monetary or political crisis)