Had you read what I wrote, you would know it isn't my prediction.
Staying with banks, when governments bailed out banks in 2008 they vowed they wouldn't do so again. Since then they have quietly legislated for bail-in laws, meaning should a repeat of 2008 occur it will be depositors rescuing them whether they care to or not.
Also, when any of us put dough in a bank account, we become unsecured lenders. Technically it's the banks' money.