Well they did it Great Depression in the US, recently in Greece, it is not an impossibility. The current economy is built totally on debt. It's all IOUs being trading around from one person(bank) to the other. The whole concept of banking is built on creating money out of thin air. It just takes on brick to fall for the whole system to collapse, and in the panic, the big boys will do what they have always done. Take what they have and run, all while leaving you to fend for yourself. And if closing the bank and their services is the way to go, that is exactly what they are going to do.