I suppose the bankers have traded the deposits for gold bars. But where do they store the bars, certainly not in their banks. Why would someone want a zillion gold bars? Bankers are theives, yet a lot of the population rely upon the banks. Before the US presidential election there will be a massive failure of banks. Better get your money out before then or else your deposits will not be available. The banks assets will be frozen and you won't be able to withdraw your money because of "technical issues" during the bank's restructuring. Get it out now, develope a plan to use cash, don't get into debt.