Is There a Risk of Bankruptcy?

There was a very strong like bias against holding large amounts of capital in the bank. You just had to either put your money out of your bed or use it somehow. Keynes called later called liquidity trap of deflationary spiral that could begin with banks, broad race run on the money markets. And so this lack of capital availability did have an impact on the economy and did make it harder for businesses and especially startup businesses to grow. But again, what the creators of the Fed, didn't really anticipate is just all the side effects.