Trusting anyone with your money is a bad idea, when you put your money in a bank you must never trust that it will be there you need to always be careful about what you do since banks can easily confiscate your money by just making a few clicks on a screen.
banks will only do that if you are doing an illegal transaction, if not, there is nothing to worry as all banks
are govern with the law of the state and if they violate you can already file a complaint against them.
yes that is very right that states are monitoring all the banks, their activities all the depositing and withdrawal, even the banks are ensure so you do not need to worry about the banks. here in my area even some banks are owned by the government, and most of the people are receiving their salary on banks.
It's under their radar actually, when a bank will operate it will ask for a licenses to the government before they will start operating.
Hence, they are guided with the rules and regulations that will be issued by the central bank from time to time.