Understand first and foremost that you do not “own” the money in any banking application where you are paid interest. Your money is then a debt that the bank owes to you AND you are not a secured creditor outside of FDIC insurance which is a joke.
The same is generally true for brokerage, with those often not covered by FDIC. If you hold your actual shares, or have them held non-custodially then they are technically yours and can not be used for funny business but that’s been proved wrong before by crooks...
I see, thanks