When will people start closing their bank accounts?

[bittersweet]

I doubt it will happen. Bitcoin banks seem to be inevitable if there will be so many people doing transactions that running a node will be impossible on average home PC. And I think normal banks will offer Bitcoin banking, they would be stupid to not to.

[FreeMoney]

When there is a better, more stable option to store cash in for the long-term. Thanks to FDIC insurance, the only way I'd lose what is in my bank is if the government went under. Hey, we're in debt trillions of dollars, not like they can't cough up for my measly five grand.

They will never stiff you 50 pieces of paper. That isn't what you should worry about.