Originally Posted by After Shock Media

Well I have nothing to fear since I pay taxes on everything.
I just do not understand why anyone would really have a large amount in a bank account unless it is a payroll account or something like that.
I know my monthly spending and I know how much I need in any given account each month. Those amounts are transfered in on the 1st and typically the account will be back at 1,000.00 again by the end of the month. (I pick 1,000.00 since it keeps my banking completely free).
Each account serves a purpose. I also transfer any excess into a higher interest bearing account like ING, each week.
If your money is just sitting in a standard bank account it is doing nothing for you at all. For me everything must earn its keep, even my money needs to be working.