Lol most of your money is make-believe, just digits in a spreadsheet with a few redundant servers to claim you have purchasing power, IOUs that you hope you can claim and even with all that mental gymnastics, you still can't send it during certain times as if it requires so much effort to debit and credit balances, its hilarious 

 And it is constantly being devalued!


How is it even possible that in such day and age where information is free and anyone can learn anything, most have no idea what fractional reserve means.

No your money is not save in a bank. No you can't do what you want with it. Yes, it will be worthless in a decade