[kork13]

Sky, I'm sorry to be so blunt, but you're not making rational decisions here. First, banks are not out to get you. Banks and the people they service have a cooperative relationship which benefits both parties. That's why the entirety of the modern world relies upon them.

Yes, people all over the world live their daily lives without banks. However, you might be surprised at how many of those people do so because they never have anything to save; because they live day-to-day on what they earn; because they live in poverty.

Keeping all of your assets at home is: 1) Dangerous--primarily due to the threat of thieves/burglars; 2) Risky. In the event of fire, flood, tornado, earthquake, (i can keep going...), the entirety of your stashed money will be either destroyed, swept/carried/blown away, or inaccessible; 3) Financially unsound. Banks pay interest, which helps maintain the value of your money. Stashing it away in boxes slowly depreciates your money, making it more worthless month by month as inflation presses on.

We aren't trying to dissuade you because we want to see you get screwed. We're trying to look out for your best interests, and the best interests of your husband and son. We understand that you've had bad experiences. We all have, and still do. But that doesn't mean we can shut out the world and go about life in our own protected little bubble. It just doesn't work that way. Please, trust us in this... Find a reliable community credit union. They are friendly, helpful, and immensely more safe than what you're describing here.