Risk that is bigger than you are. It is very hard to protect yourself from systemic risks. An example would be trying to withdraw your money out of a failed bank during the great depression - not much you could do when the system fails.
About the video: yeah yeah, I know; no one used ATMs back then because online banking was all the rage. They still had it tough connecting though because in the 30's they only had DSL - not cable modems like us - dang - imagine that! Plus I hear it took over a week for Fedex to deliver a walmart.com purchase.. no fricken way! ouch!
All kidding aside, something systemic hits the economy = big time BIG TIME trouble.
