I have found that with things being very unstable these days, it seems like good practice to diversify. I mean for us regular people, who have jobs, a little savings, a work 401 K. I have felt to split money up into various places for savings or emergencies rather than put all my eggs in one basket. I have three bank accounts at three different banks, some cash at home, a retirement account' and I plan on buying a small amount of gold soon. It's not that I have a bunch of money. I don't, it's that in an economic melt -down. I don't think it's wise to have all the money in one place, especially if that place is at a bank that can lock the door and shut off the ATM. What do you think?