It's a small percentage but if it's your money that's lost it doesn't matter how rare it is.
We're lucky, we've been really well supported by our bank but I can really sympathize with the TDBank customer. I had some money I wanted to invest and we are looking at amalgamating as we retire. We got referred up the chain and even though the final deal was good, they were very focused on getting our money and not so good at telling us the mechanism for getting it. Sometimes they are just not very good at pretending it's about the customer as a person rather then getting to use their money.
http://www.cbc.ca/news/canada/toronto/banks-lost-deposits-missing-1.4512196
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Any time you deposit money you are effectively making an unsecured loan. How well do you know/trust the borrower?
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