It seems that it would be harder to make any runs on insolvent banks when notifying them in advance, even though if they don't have the money and many folks are asking for their money, then I suppose that they could still concertedly notify them as they are requesting their money.. everyone with an account requesting €3000 and giving their reason as: "To test solvency of the bank."
while thats the absolute correct reply, i heard of some dude that goes around and does cash withdrawals and when asked why loudly proclaims "its for my penis enlargement treatments" or "its for my ..." well never mind you fill in the blanks.
with bonus points for every other client in the bank hearing it. records it and i suppose its on thetube somewhere and i have no wish to actually witness it.