Well, in many countries there is insurance on traditional bank accounts that guarantee some level of bank account deposits. In the U.S., there is the FDIC:

7 best ways to insure excess deposits https://www.bankrate.com/banking/savings/ways-to-insure-excess-deposits/#other

That doesn't mean if your bank becomes insolvent you will immediately have access to the funds you had deposited but it does mean you have that much that is "backed by the full faith and credit of the U.S. government."

At least that's how it is supposed to work. Bank bail-ins are possible at some point and would occur through sneaky means (e.g., where your bank balance is frozen but you can obtain that amount through some digital dollar / CBDC which is not the same as your bank funds).