You're confusing the shit out of all of this, there is no 'speculation' of how 'this' could happen. You're talking about something else entirely - random stuff that could happen, for ways for the EU to underhandedly, covertly or by force etc take savings away from EU citizens (which yea sure that could all happen), but then tying all that together with this post of yours with the screenshot to that article, and now on top of taking another random quote "we'll turn private savings into much needed investment" to back up your argument. Some people have clearly understood that you meant basically that, judging by their reposts and comments.

However that's not the case:

Simply depositing money into your EURO account and letting it sit there won't cause your bank to automatically redirect or fractionally reserve your funds into the Savings and Investments Union (SIU).

The SIU initiative is about creating optional investment products designed to encourage citizens to voluntarily save or invest more actively. Banks like EURO bank will not be required to funnel customer deposits automatically into any SIU-related funds or accounts as part of their normal internal operations or fractional reserve practices.

In short:

Your deposited cash will stay exactly where you put it—unless you actively choose to participate in an SIU-associated product.

Banks cannot automatically put your money into SIU products without your explicit consent or active opt-in.

SIU-related investment options will exist alongside traditional savings accounts but will always require you (the customer) to intentionally opt-in or explicitly not opt-out.

So, if you do nothing, your funds remain unaffected and won't be automatically moved or invested into the SIU.