Living in the land of 'niceism' with an economy supported by oil I have only cashed about 10-15% of my total bank balance as the chances are rather good that this place will come out of it with a functioning banking and economy system.

Now I live in one of the few countries that this low percentage precaution would apply to(and where I doubt even 10% of the population even think of taking such a precaution), and depending on the realities of what country you live in this percentage should probably be some version of higher....