You don't have to study plumbing, electricity, medicine, etc - you can buy all this stuff as a service. If something breaks, a person comes and fixes it.
This allows you to specialize on whatever you want to do - say, build a startup. Software. Painting.
This is absolutely, definitely more efficient than forcing everyone to learn plumbing.
Financial system is basically plumbing for money. It should be easier than plumbing, as in plumbing requires us to deal with unpredictable forces of nature. Money is completely in our minds, so controlling it should be trivial in comparison.
But it's not as reliable as plumbing. Which means it's poorly designed. People intentionally made it convoluted to make it possibly to fish in troubled waters.
If you claim that only people with "the wit" deserve their savings to be safe, you're disgusting.
The government is responsible for fiat money, by definition. They should make it safe. SVB problems were caused by insane interest rate jerk by the Fed. They caused the problem, they should fix it.
How it should work: government money is safe, but inflationary. If you have "the wit" you can escape from inflation. Last time I checked, the government does not prevent anyone from offering inflation-hedged products. Financial institutions can use the entirety of math to offer whatever they want.