Stop reading these junk articles predicting the end of the banking system! The “nugget of truth” is that the Fed has recently been adding more reserves to the system (the entire system, not just specific banks) because it is worried that inflation remains so low. time will tell whether this is a good strategy on the part of the Fed. But it is NOT a symptom of something wrong with specific banks.
DO NOT take your money out of your insured deposits! It’s ok to have some cash on hand for emergencies — but if the system shuts down you won’t be able to even buy a loaf of bread with cash! These are just a bunch of doomsayers who are trying to get you to subscribe to newsletters, or worse they are fraudsters targeting your cash!