Around here, if one half of a married couple dies, the surviver can't access the shared account until the state gives its OK. Which can take up to 6 months.

Imagine living without money for 6 months while having to pay a funeral. I saw it happen to an elder woman. She had to loan from friends and family because of this.

Now I heard the law has been updated to avoid the most egregious excesses, but the basic principle still stands.

I know of a few people who keep 1 or 2 months worth of money at home, just in case. Can't blame them.

Banks are generally good at what they do, but don't put all your eggs in 1 basket. Someone will make a mistake at your expense, better be prepared and have some buffer.