Why Should I Participate in Fexibles?

After seeing Lehman Brothers fail and now these two banks fail it's like what's the point? You know, I am what what benefit do I get sure? Letting you lend out my money. The only Way that it could fall apart is if everybody tries to get their money at once right. And a lot of people are asking themselves Why should I participate in this? They're taking all the upside and why do you?