Not only do banks not have to allow you to withdraw your funds when you ask for them, they do not have to return your funds. Period.
In the US, when you make a deposit in a bank, you are legally giving the money to the bank with no obligation for it to be returned if the bank needs it (their decision) to meet other obligations.
If people knew they were saying "I'm giving you my money with no obligations," instead of "I'm making a deposit," it would help change a few otherwise rational minds.
Yeah, "legal" but not morally lawful. We are enslaved and don't see it... as long as the illusion keeps being propped up :/
Our banking laws have very little morality built in. In fact, the concept is alien to the fractional reserve concept...and banking in general. It is to the banks' own interest to keep us barely alive financially to continue feeding them. They peddle credit as a legal drug; another opiate of the people.