In my country there isn't risk to put money in a bank until certain point... There are guarantees that you won't lose your money up to $200.000 of our currency. If you put more than that, the amount that exceeds $200.000 is under risk, if something goes wrong you lose money. The good point is that if you stay on the limit you are safe, doesn't matter what happens with the bank
This works until it doesn't
You should never forget about the Cyprus haircut of 2013 when depositors in the Cyprus banks had been stripped off of their deposits despite any deposit insurance, which you refer to in your post. So no such insurance can secure you from the lawlessness and severe abuse of power from the government itself. Aside from that, your money on the deposit in a bank is in no way insured from the currency devaluation if the government chooses to go that way (as many governments, especially in developing countries do). In this manner, just holding your wealth as money is a risky business itself