Banks: we hold your money for you
Plebs: great, so I can access it anytime right?
Right?
Banks: we're closed on weekends, *runs away*
Discussion
And also public holidays and also we count your money as ours in our financial statements .... So it's not really yours... Also if we don't like you we can and will block or close the account and take the money .... "Laughs in banker"
Literally.
I know you know this, but the idea that you can't use your money is insane. Oh you can't do this right now. Now really think about that. Imagine if you had food but you can only eat when the food bank says to... you can only use your electricity when the electricity bank says you can.