The point made in the 2008 crash still stands as firm now as it did then - No one needs a bank, any specific bank. They need a banking system.

If banks want to collude to steal your money and think fancy language is a way to carry out this crime, then they die. Their staff get jailed if they are lucky enough to surrender to law enforcement before the mob catches up with them, their buildings get burned, their assets get seized, and the non-criminal banks can take over the business of the failing thieving ones.