Oh goodness, you are going to _flip_ when you find out a bit more about how finance/money works. That's not intended in any way as an insult, it means that you are possessed of common sense and honesty.
The laws of financial theft, the grand ponzi scheme that we are all born into, are like the laws of entropy. Can't win, can't break even, can't get out of the game. Your money is not yours. You are renting it, in a variety of ways, from the banks. You will be charged for it to be made, charged to use it, and charged to keep it. And it will be stolen or seized from you through totally legitimate means if needed.
A deposit with a bank is a debt of the bank to you. You are now a liability for the bank (they owe you money) and what you think of as your money is now their asset. They can then lend this asset out, charge interest, and then give you some of it. This is *normal* banking, something like a credit union does, or a high street bank. This should hopefully make sense, since it's still pretty honest and sensible. The main trick is lending to the right people, which is why the CUs often want you to be a regular saver before giving you a loan, why banks only want to lend money to people who already can get the money etc.
However when the bank runs out of money, through bad loans or other causes, then the bank will have more liabilities than assets, then the priority of those assets goes to those with the greater claim. This is when you get cheated, as you find out that your deposit, what you (rationally and sensibly) think of as your money, is not always going to be what is paid back first.
This is horrific enough, but when your bank gets bought by another bank, even though nothing changes from your perspective, your deposits are now owned by someone else, with a different chain of creditors attached to it.
I'm a bit of a precious metals bug. Coin collector as a kid, gold panned for holiday money, and used as a savings tool when a bit older. Not into any crazy "hide in the wilderness" stuff, just that precious metals have been and are used as money still. Plus you can still have a bank look after them for you, like a deposit account, only that you, not the bank, are the actual owner of the physical goods.
My crackpot theory is that if aliens turn up, then hopefully whatever stuff is rare cosmically will still be rare enough to have some value. Since they would be here for some sort of enslavement/strip mining/conquest deal anyway, better be bribing my way into space hoboville.