Just want to point out a lot of people's money DID disappear over night during the 2008 crisis. Some banks actually went under during that time, along with anyone's money sitting in it. People lost all savings.
That's not true, unless it either a) wasn't money deposited in the bank (i.e. it was an investment in bank stock - an inherently risky activity) or b) were deposits over FDIC insurance limits. That's $250K per account. What's bitcoin deposit insurance limits? Ah yes, $0 per account. Is there any insurance company daring to insure bitcoin deposits? I haven't heard of any.