CYPRUS was the test case. (to gauge public reaction)
The 2015 G20 held in Brisbane, AUSTRALIA, the powers changed a banking definition.
You as depositer will now be classified as "UN-SECURED INVESTOR".
That means they can legally steal your bank account..... and there's nothing you can do about it.

According to Zero Hedge, Napier says the G-20 will announce “that bank deposits are just part of commercial banks’ capital structure, and also that they are far from the most senior portion of that structure,” and as such, following a bank failure, “a bank deposit is no longer money in the way a banknote is.”

If this is the case, depositors with more on account than would be covered by deposit insurance would find themselves in line with everyone else trying to recoup what they can from an insolvent institution.

“Large deposits at banks are no longer money, as this legislation will formally push them down through the capital structure to a position of material capital risk in any ‘failing’ institution. In our last financial crisis, deposits were de facto guaranteed by the state, but from November 16th holders of large-scale deposits will be, both de facto and de jure, just another creditor squabbling over their share of the assets of a failed bank,” Zero Hedge writes.

The solution? Basically, stuff your money in a mattress. Or in this scenario, a warehouse. The blog helpfully measures the size of 500-euro note, measures the size of a standard shipping pallet, locates a typical storage warehouse in Northern Ireland and measures it, too. After crunching the measurements and comparing the cost of the deposit rate in Europeto the cost of renting the warehouse, well, you get the idea.
http://investmentwatchblog.com/nov-16-2014-g20-to-implement-a-new-policy-that-makes-bank-deposits-on-par-with-paper-investments/