It exists to cover bank runs and it is your money. There is nothing wrong with wanting your money in any given moment. That’s just my take though, I’m not a lawyer.

I think it’d basically defeat its preventative purpose though if a story got out that people weren’t covered, even in an engineered bank run. What if you’re not in on the plot? What if it happens tomorrow at your bank? Are you just fucked too? Better withdraw all your money to be safe