There has been one change recently along these lines, and that is that money in fixed deposits was previously always still available at a cost, loss of interest etc.
But they have all changed and now you now have to give a minimum of 30 days notice.
Therefore if you see things going bad, and there is a chance of a bank run you are unable to get that money out
Most normal people who have savings in the bank would normally have a fixed deposit and a very little sitting in a .05% savings account.
So if there is any sort of run you will have no money apart from what the government/bank specifies as emergency funds, before the end of the 30 days they may have taken some of it.
I therefore agree the banks are positioning themselves for hard times and they will do it with your money
