Let Me Out

I have been reading up on money matters today, as what little savings I have are effectively dead in the water. I am  described as 'risk averse' which means my appetite for riskier money making schemes is very low and there lies the conundrum. Is it now deemed risky leaving money in so called 'safe deposit' accounts where cash is getting little or no interest. Is there actually a chance of the Bank of England introducing negative interest rates for savers and borrowers, and if so how does that affect us all? In some countries like Switzerland, there is a charge on the depositor for keeping cash in the bank, but only if you have more than two million euro on deposit. Should I be worried (hee hee!) Like most old farts, what little money I do have has been hard earned over many years, it might become a burden. I might have to take it all (scoff) out and tuck it under a hanky or even spend it.... I might buy shares in Astra Zeneca.. There's a thought. If all this becomes a fact will banks make it hard for us to pull our money out? They need cash deposits to underpin their lending so they won't want to lose the dosh, but they make money on lending elsewhere, if we all take our money out they will be in trouble. It might just break the bank. Poor little piggy....