What’s particularly worrisome here is that if banks start charging depositors many people will want to pull their money out, at which time they will discover that due to fractional reserve lending most of that money isn’t actually there.
Any savings in US dollars are not safe.
I'd think all kinds of stuff will be done to create an illusion of safety, thereby "kicking the can down the road". I could imagine withdrawl fees or percentages happening with withdrawls over a certain amount. I could see a restriction on how quickly money can be withdrawn.
A banker told me (to try to scare me into an annuity) that if a bank goes under, FDIC deposits up to the insured amount have to be paid out, but over something like a 30-year period. (I told her that at my age it would be a better deal than an annuity. She was confused.)
The thing is, no one really knows how this mess is going to turn out. Because of technology moving financial transactions so quickly, there's just no precedent for knowing how things could happen.
I am afraid you are right.