You don’t own the money you deposit in the banks, the banks do. Through the act of depositing you are lending the banks your money, therefore it’s not your money anymore. They can default on the loan.

See https://thehutchreport.com/your-bank-account-who-really-owns...

Or read https://www.amazon.com/Where-Does-Money-Come-Ryan-Collins/dp...

Highly recommended.