Banks are not safe either - read about Bail-In laws established in 2012 and an example of this in Cyprus shorty after. In modern day banking you are considered as unsecured creditor, therefore bank may simply "take" your funds in time of turmoil. And for those who scream FDIC - be aware FDIC has only ~1% of the funds it actually insures. Keep CASH or gold or anything you can touch/see.