>>I think some kind of common sense is usually commended. USA may have problems but it is not a Bolivia or some other similar country. It means that US bank accounts are safe at this point, at least within FDIC insured levels.
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>"Common sense" is precisely what is missing. There are several worrying trends in the U.S. economy. The whole housing disaster came about precisely from a lack of common sense.
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>Also, "common sense" indicates that what happened to other countries (I am thinking mainly of hyperinflation) may also happen some day to the U.S. (as a result of the current financial crisis, or some future crisis). The U.S. bank deposits may be safe, but that doesn't help much if the dollar loses a large part of its value.

It depends what is considered 'much'. Losing couple percentage points a year due to inflation is not the same as total loss and crowd run on banks.