No, you are being dramatic. Big banks don't fail when they have no assets. They just fail when they become insolvent. They will still likely have all of their deposits to meet the capital reserve requirements. It's when they get caught with illiquid assets that they fail. Look at the 2008 financial crisis and the banks that failed. There was nobody that got short changed that had a regular bank account.
No, you are being dramatic. Big banks don't fail when they have no assets. They just fail when they become insolvent. They will still likely have all of their deposits to meet the capital reserve requirements. It's when they get caught with illiquid assets that they fail. Look at the 2008 financial crisis and the banks that failed. There was nobody that got short changed that had a regular bank account.