Yes, while many people assume their assets are protected, there have been historical instances where governments have seized citizen property stored in banks.
In as much as government take over people found in the bank this thread is solely for interest differences between bank deposits and sivlve and gold, while the interest on bank account comes in annual rate some time 3 months or 6 months to one year if you add them together you may end up generating interest higher then that of gold and silver. Just done a proper review on the interesta base on the percentage you stated in the post.