The second part of your post is utter nonsense. If a company makes money from issuing tokens and lying about them being backed by the USD, it's definitely more shady than a regulated financial institution which makes money by lending money at a higher rate than it borrows it, and is definitely more at risk of a "run" even without ignoring all the rules in place to ensure that banks will always be able to borrow at less than they lend, and protections for deposit holders in the event of a bank's loan portfolio going under.