USA banks are federally insured, so there's no risk in losing your money.
Running away from creditors is not a valid reason. They can sue you. They can't directly take your money.
Running away from creditors is not a valid reason. They can sue you. They can't directly take your money.
Assuming your account is under the FDIC limit, how could you lose money on an insured account? Suppose there's a massive bank run and the Fed has to print oodles of cash to repay depositors. This leads to runaway inflation that occurs over a very short period. If you could have otherwise exchanged your cash on hand for a different currency, sure you would have lost money.
Compared with the actual risks of being unbanked, this is a hallucinatory concern.