Even in that case, you can not be sure you will get 350K. Here in Spain, any bank account is covered by the government up to 100K€ in the event the bank crashes but honestly, I do not even trust that, they have never had to put that law into practice and if they ever have to do so, they can always change the law and say you can not withdraw more than a certain amount per day/week/month or whatever.
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