Yes... it is also a major selling point that although there might be risk in holding SBD, there is also a considerable risk in having a bail-in in a commercial bank... especially in autumn (September/October)... and there one does not get a penny in interest... only risks...

And the funny thing is, that as always banks are shown in the mainstream media to be solid as hell... while we care much about pointing out 20 times that there is risk involved in this space. In the perception of an outsider we ourselves say we are risky, while the others say that they are safe... with lots of cute capital ratios and stress tests... all bogus in my eyes...