For a while “home bank” is safe keep the money inside pillow and blankets and stich it – you can sleep well at least :-). There is no gurantee bank and we can’t predict their plans as long as Governament flooding a lot options to save (failure is final truth). When final failure happens as per me ‘Home Bank” is only the option otherwise like in Japan(old trend) one has to pay fee for keeping their money in banks 🙂