The future monetary system of BIS.org is underpinned by central bank digital currency #CBDC

from time to time, the value of deposits can depend on the #collective decisions of all depositors, especially during stress periods in the #banking sector. In this context, strategic uncertainty arises as early withdrawals are met on a first-come, first-served basis, while the bank (still) invests funds in illiquid assets […] This problem could be mitigated by allowing explicit coordination through the design of new types of deposit contracts that impose contingent performance of actions on depositors. Such contracts could ensure that early withdrawers do no #better than late withdrawers, thus eliminating the motivation to withdraw funds purely out of fear that others might do the same.

Its not about (secure and safe) us, its about (safe and secure) them, as we got free alternatives like #BTC.