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Also you would have bigger, more pressing problems in that situation
While not wanting to be complacenet about global anihillation risks, bank failure is hardly as unthinkable given we had the whole lot of them failing 16 years ago. And the government has put in place scheme for precisely that thing happening again so they must reckon it is the kind of risk that people should take into account!
Also you would have bigger, more pressing problems in that situation