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Well you do have FDIC insurance, but is your money really all that safe? In 1964 a cup of coffee was ten cents. Today it is over a dollar. In 1964 it cost 4 cents to mail a letter. Today it cost over 40 cents. The point is that that dollar you put in the bank in bank in 1964 is only worth about ten cents today. You lost 90% of your money. How safe is that? What will the dollar be worth in a few more years? One cent? Every time the government spends money that they don't have, and they print more you dollars loose value. Why is it that the average person doesn't understand this. I don't know.

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Q: What two factors make the US financial system so safe?
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