You are wildly confused about the purpose of deposit insurance and how bank runs happens. Banks are in the business of maturity transformation, ie accepting deposits from people who can withdraw them at any time and lending them out to people who will only repay it in a fixed schedule. It doesn’t matter how high quality and safe your loans are, if too many people start pulling money out of your bank you have a bank run on your hands because you have mostly illiquid loans on your books, not hard cash with which to pay out your depositors.

PS: Banning companies from raising cash by selling off assets makes them LESS safe and robust to failure, not more. Do I really need to spell out why?