It was in Brisbane where it was decided that your deposited money is in fact now debt the bank owes you. Its the most ridiculous concept in the world, to have someone else hold your money for you. Wait for it
... the collapse of the State Bank of South Australia and the State Bank of Victoria, Pyramid Building Society (Pyramid), and the case of fraud and subsequent collapse of life insurers Occidental Life and Regal Life. "I'm in Australia. I dont think we have ever had a bank fail." litterally 3 seconds of googling. And there's more than that thats just a few significant ones.
Its not that i think that you are a liar, just that im pretty sure you need to re-read the fine print. Being in "another part of the world" doesnt automatically exclude you from shifty banking practices.
I already posted some examples of Australian bank failures, but here you go.
http://www.cbc.ca/beta/news/canada/bank-customer-s-lawsuit-raises-questions-about-fraud-liability-1.2561676
A few more seconds of googling found that. What part of the world is the part that protects your money you trusted with someone else?
It truly is like you are to young to understand there is a long established history of banks failing and fraud and lost money.
Its not like im mad at you or anything, i just dont understand A) the concept of giving the majority of your money to someone else for safekeeping and B) the idea that people have that the money is safe and insured to the teeth should something happen. I dont trust banks for shit. I keep my money in undisclosed location(s?) and the only way you can rip me off is to fool me somehow into buying snake oil or burn my place down or rob me on the street, compared to the myriad of ways a bank can and has and currently is stealing your money. I just dont trust banks, that's my bag. Maybe you do but you better hope some 12 yr old doesnt find a way to grab your banking info online to buy the latest minecraft skin or whatever