I don't know how many times I have to say this but you cannot have a bank account in the world. You have to keep your money in the form of either cash or investments like collectibles or bitcoins persay. If you keep it in a bank, you pay huge taxes. If you live in a normal country where the banking system is much more reliable, aka not these weird european countries who aren't relevant, then they won't ever take your money, but paying the huge taxes automatically excludes that option.
They won't take your money? They took
billions from US citizens to cover their holes... Where are you from? Don't you remember the "bailout"?
So YES, they will always take your money, they will make profit with it, and when their gambles go wrong you will pay the bills. And that happens in every "normal country" in the world.