What's your thought and what's the real situation of your country?
People are forced to use banks, especially if they are employed or have their own private companies - how else will you receive a salary or conduct business transactions? Throughout history, banks have always proven to be those who give little and take a lot - and if we only remember the recent past and the crisis that began in 2008, then it was the banks that saved themselves with public money and people were not happy about it.
This begins with being an employee, your company requires you to have a bank where your salary will be directly deposit into, you are free to choose what bank are you going to choose OR your bank will provide you the bank that is somehow associated with them, their sister company, or the company itself is a bank of course. By this way transactions are being handled by a third party, it is easier for the company to work without handling those salary distribution. In my opinion, intermediaries like banks are designed for having a smooth flow of money in overall, whether we want it or not we are going to use bank in most of the situations.
In my country the amount of money is constantly increasing due to the large number of people working in foreign countries who send part of the money to domestic banks. Also in some countries, as someone has already mentioned, clients' funds are insured by the state up to a certain amount - so the collapse of a bank does not necessarily mean a loss of money.
Same here, remittance inflows to our country is rising due to our countrymen who is residing and working abroad, we are fourth -highest in the remittance inflows after Mexico. And as have you mentioned, money in the bank is insured, they got golds backed up on your money, but it will still depends on the contract signed after having a deal with the bank, some are fully insured, some are just a half and so on.