Every bank in my country is short of money, when a person goes to the bank for money, the bank directly says that there is no money in the bank now,
If you don't mind which country is that?
In Venezuela we had some startups which grew. Now we have Cashea, and some Colombian bank which fill in the gap. Cashea fills the gap our credit card once filled. We have platinum Credit Cards which cover about 0.3 Cents.
When a banking system fails mostly there are several factors, in our case, apart of the banks we have closed minded people in key positions slowing development wherever they feel threatened