You misunderstand the role of modern banks: they're not there to protect your money, they exist to create money through credit. Everything else (payment routing and account management) is just an accessory, a necessary evil. They want your money in "safe" accounts only because the law forces them to keep around a certain amount of cash in case all that credit turns bad.
It seems that you have misunderstood how banks create money through credit. Even if there was absolutely no requirement to keep a certain amount of cash, banks still couldn't create infinite money out of thin air, because that's not how it works. I wrote more about this here: https://www.attejuvonen.fi/money-out-of-thin-air/
It seems that you have misunderestood what my comment says, possibly in order to shoehorn a link to your blog. Please point out where I say that banks can "create infinite money out of thin air". I said they do the minimum that is necessary for them to be allowed to create money, which is what they exist for in the fractional-reserve system. Nobody else can emit the level of credit that banks can without getting shut down by the government.
