Bank failures

Hi Terry,
You have been kind to answer a few questions in the past , what are your feelings about all the notices from financial guys saying 100’s of banks will be closing and you won’t have access to your money! Also they say the Biden administration is gonna go to Digital money and our $ will be worthless and they will control what you buy and how much you can buy , I don’t listen to alot of that stuff but i keep hearing it , what are your thoughts ??? When you have the time pls !!