On a scale of 1 to 10, I’d say a 3. I haven’t kept up with the story, but I think the banks having trouble might be bought by other banks and the depositors over $250k will be fine.
I’m not sure if the bank offered brokerage accounts also? They wouldn’t be protected by FDIC, but if the money is in stocks and mutual funds that are doing fine, then maybe it’s fine? I’m not sure. I was going to ask my bank that very thing. I have a brokerage account with one of my banks, and the money is in a fidelity mutual fund, and a couple of CD’s. I’m pretty sure the CD’s are FDIC backed, but the mutual fund wouldn’t be.
In the US savings and money market funds at banks aren’t seen as gambling, it’s considered to be no risk up to the FDIC limit and very low risk even above the limit, because our banking system is so stable the majority of the time.