you're literally blaming the prisoner in a prisoner's dilemma. it makes no sense to bet with 0.7:1 odds that only a few times above normal withdrawal volumes will actually occur. that is a shitty be to make, especially since every time people do, it usually works out against them.

we can opine about how to resolve confidence and coordination issues but you can not go victim-blame people who just don't wanna get fucked over.

one of the core values banks provide is confidence and peace of mind. if my bank can no longer provide that, i am full sending my cash somewhere else.