> There’s nothing I should have to do to maintain my claim on my bank account.
Thats a wrong statement. You are thinking of money as a public good and thats how it should be, but thats not what it is now. Your claim is against a private enterprize.
You could have access to risk free sovereign money with the central bank and its entirely possible. But private banks are livid against it because it would deprive them of precisely the kind of game that blew up in their face with rising interest rates and discounted government securities.
Ultimately this is not about idiot VC depositors and whether they deserve a haircut or not. Its about idiot bank managers and whether they deserve extracting rents from the entire economy doing basically nothing.