The first step would be to stop calling them Depositors. They are not and were never Depositors. That is what you have deposit boxes for...You do not have money at the Bank. You loaned money to the Bank. That is why they pay you interest on it...
".... Banks are intermediaries between depositors (who lend money to the bank) and borrowers (to whom the bank lends money)..."
That is why every dry desert urban development in the middle of nowhere, with hardly any water for hundreds of miles, is called... Watery Creek...That is why employees are sometimes called business partners, that is why private investments funds are in some countries called pensions, and finally the reason why creditors at banks are called depositors. To delude you into making you believe, you are or have more, than what you really are, or might have.
"The Secrets of Consulting" - https://www.linkedin.com/pulse/secrets-consulting-guide-givi...
(Usually people are a little clearer about their intent to argue that.)
From the Bank of England: “[…] Where the stock of bank deposits comes from is often misunderstood. One common misconception is that banks act simply as intermediaries, lending out the deposits that savers place with them.”
1. https://www.bankofengland.co.uk/-/media/boe/files/quarterly-...
"...Transactions on deposit accounts are recorded in a bank's books, and the resulting balance is recorded as a liability of the bank and represents an amount owed by the bank to the customer..."
"Deposit account" - https://en.wikipedia.org/wiki/Deposit_account
"Does The Money In Your Bank Account Really Belong To You?" - https://www.sgrlaw.com/does-the-money-in-your-bank-account-r....
"...At the moment of deposit, the funds become the property of the depository bank...Thus, as a depositor, you are in essence a creditor of the bank. Once the bank accepts your deposit, it agrees to refund the same amount, or any part thereof, on demand..."