The problem isn't that a bank account is a bad investment.
So too many people were losing their money but it wasn't a bad investment. Whatever, you and I obviously have very different ideas of what constitutes a good or bad investment.
One of the big reasons for bank failure before the FDIC was graft, where people within the bank skimmed off money or faked the books until the bank died.
Thankfully that doesn't happen any more. Oh wait ...
government protection covers the investments you tout above, by protecting you from the effects of criminality on the part of those you're invested with.
Which is entirely different to having the industry exist only by government edict, such as is the case with banking.
You'll have to cite some reasonable sources for the imminent hyperinflation
Your governments finances are propped up by borrowing and inflating the currency supply. Other countries are less likely to be willing to lend to you as your currency loses value and ceases to be the reserve currency of the world, that leaves inflation or massive cutbacks in government spending. Cutbacks in government spending do not seem to be on the agenda. It's only one possible scenario but it is possible. Given that those who couldn't foresee the GFC are still in control of your financial system it's hard to have much confidence in them.
As to your cite for the fall of Rome, you must be joking.
It's a tourism site, but it isn't the only one out there that links inflation to the fall of the roman empire. http://www.google.com/#hl=en&q=inflation+fall+of+rome http://en.wikipedia.org/wiki/Decline_of_the_Roman_Empire
There's little mention of the explosive expansion of the empire causing problems, there's no mention of uneven taxation (taxation, by the way, doesn't cause inflation as your article states), there's no mention of the slave/freeman imbalance
There's little mention of anything, it's a summary on a tourism site. Increases in taxation ARE price inflation of one of the single biggest costs most people have. It mentions the effect of slavery on unemployment. You aren't willing to even take the effort to google for it and you won't see what you don't want to see when it's put in front of you. There doesn't seem to be much point to this conversation. As for "Decline of morals and values"?!? Please. I haven't done any sort of study on how this affected Rome, but the mention of gladiators as entertainment is also linked to the spread of disease, if there was an increase in prostitution with primitive medical care and no condoms it would likewise be linked to the spread of disease, increases in public drunkenness would be likely to result in more accidents, more crime and less productivity. You don't have to be a priest to see that could be a significant problem for a society.