Think about a bank run today compared to 2008:

No physical lines outside the banks of customers taking out their money. They have smartphones today and can take out their money in seconds.

That means banks would close suddenly, probably overnight while we're sleeping. The next morning, people wake up to see their banking apps don't work -- they've been deactivated to prevent a bank run.

People can't access their money and the branches are closed too.

Oh, and "to save the economy", your balance has been cut 20% in order to bail out the bank.