Why would anyone have any confidence in the bank industry? Seriously? We all see how the FED prints money out of thin air. Interest rates are ridiculously low. There's no point in keeping your money in a bank. Between inflation the increase of cost of living the measly interest rate you get is shadowed by the devaluation of said dollars in your bank account. Smart people would have taken their money out of their accounts as soon as the FED started dropping interest rates and started buying hand held gold and silver. Much better rate of return... Personally i find it easier to hedge on gold and silver than it is stocks... But what do I know.