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Wait until you discover that the bank doesn't have those dollars in your account.

It mostly does. Treasuries are a kind of dollar.

They could cash out everyone's account from the Scrooge McDuck pile of gold in the vault?

Up to $250k per account yes. The bank would fail but you'd get it over the weekend.

The FDIC currently holds a reserve of 1.28% of deposits. It can handle a single bank run, but not a widespread one.

They don't usually touch the reserve. They tell a bigger bank to buy them over the weekend and back it up.

Afterwards they can use that, charge the other member banks or reopen: https://www.federalreserve.gov/financial-stability/bank-term...