Well the problem is you may not want your bank to gamble your money. And governments refused to separate financial activities of banks with their depots missions in most places. Leaving 98% of your actual money playing on markets on stuff you would not have wished to invest in the first place. Like the junk bonds and US mortage from 2007 that are still there in the bilans.

It is as if our arms are bent to deposit our money in less than trustable places without guarantees.

Are they trying to prevent banks from bankrupting or what?

You also may not want government to be able to seize your money like it was done in Malta or in Greece.

Banks are privately owned entities I do not trust. I have the right to not entrust my money to thieves and parasites without a minimum of security on my savings. Especially when they could bankrupt.