I'm not a bank nor cash defender but there's also some advantage to keeping your cash whether it will be in the bank or through your own vault. Like on these times when inflation really is hitting, the cash value is depreciating but there will be times that you really have to spend some bucks to acquire new assets. And for you to have some assets, you'll be needing cash and one of the most important is to have an emergency fund which will still involve having some cash.