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Saving in a bank is not saving, its stupidity. Now that you get 1% reward, for
infinite risk (bank run, bank collapse, investor insurance fund doesnt cover systematic collapse, capital controls,etc)
its the worst thing to do to keep money in the bank.Buy cheap stocks, or
invest in alternative things. Sheeps get eaten by wolfs
Funny how you mentioned up infinite risk while in fact you are suggesting to invest which have the higher risk as well. I would say that you are complete into delusion to think that investing is much safer than putting your money in bank . Even with the recent event of the Greece incident, I would say it is pretty much safer than investing in stocks
Apart from banking system failling, the other risk will be the inflation rate yearly which is affected for all of your money despite that even if you keep it under your matress. Compare it to your suggestion about investing in stocks, then the risk of saving in banks is completely niche to it (you seems to be into bogus investment I'd say)
I they will not put at the bank that have a bad background.
The reputation of the bank actually doesnt matter anyway because once the entire economic system of a country fell apart, no matter how great their previous reputation is then they will probably fell apart too. A bank is not a standalone company because it relly on the country's economic system as well