Spoken about banks, I put some money aside many years ago on an Icelandic savings account. Far from everything I owned, just a bit so I could get a little bit more interest. <br>A few months later that crashed there, but since it was part of the european bank group there was indeed an insurance and I did get all of it back. <br>True if I had put too much on it I would have lost out on some of it. See the insurance only goes up to a certain amount of money, after that it is all part of the bankruptcy proceedings. <br>But I was luckily way under that limit and again, few months later, "here is your money!"  At most I had less money in my savings account for a few months.