I have a question: isn't it a bit weird that a bank would advertise on its homepage the fact that deposits are guaranteed up to a certain amount by the government? Never mind the Chinese-fortune-cookie English of this particular one, but isn't that rather damning, like saying, "in case we screw up, the government got our back"?
One one level, I realize full well that if I deposit my money with a bank, they will convert it to electrons and shoot them all over the world to make their margin, and that inevitably a fraction will end up irretrievably lost in the pockets of the Victor Schirallis and Nick Leesons of the world. But the stubborn traditionalist in me insists that if I give money to a bank as a depositor, it should be safe in their vaults. If I give my life savings to a bank for a minimal interest rate, at least I should know they're not going to turn right around and loan the exact same sum out to some shmoe at a slightly higher rate. That would just be uncool, especially if the world financial system collapsed as a result of too many such deals and then the bank sort of shrugged.
Here's an idea: a message posted on a bank's homepage saying "Thneedbank would like depositors to know that, although sorely tempted, we do leave the bulk of your savings in our vault downstairs underneath the corporate gym. Actually, we do use a portion to make investments so that we can continue to pay you the promised interest rate -- and pay our tellers a pittance as well. But otherwise your funds are safe and unencumbered. Think of us as your interest-bearing safe deposit box. By the way, we have free coffee at our main branch, too."