Demonizing the government and banking system? Our current economic system is far from perfect, but have you read about Keynesian economics? The reason why the government wants people to put money in the bank is so that there will be enough fund to lend to businesses/entrepreneurs in the aim to increase the size of economics, i.e. creating more jobs and increase well-being. Also, banks specialize in credit valuation, so their job is to make sure the risk of borrowers to default is low. True that the system is not perfect and we did see the prime crisis caused by overconfident bankers, but it doesn’t necessarily mean that the whole entity is evil.