1. if everyone took their money out of their bank at the same time, we would have another 1929. This is what happened–people wanted their money and the banks didn’t have it. However, because of that, the FDIC was created to ensure that banks were able to pay their customers. So, it wont happen again.

2. It seems to me that banks will never put fees,etc at $0 because what would happen if their investments tank? Bad news for mr. banker. The point of a bank is to make money, so why not capitalize on the desire of consumers to have their money safely stored and charge a fee to make some more cash.

-Dutch