You describe a solution to a problem that most (if not all) of the people reading this thread do not have. It's not even clear if having too much money is actually a good thing, given how so many people that do, seem to be evil. Cause and effect is difficult to prove, but there is a definite correlation.

I would suspect that the truly wealthy don't keep that much money in bank accounts. Real assets are less likely to evaporate in this way.