Imagine you woke up one day to find your bank account had been wiped out.
Your entire life savings has evaporated overnight, but not because some anonymous fraudster had stolen it.
It happened because the very banking institution that regulators have repeatedly told you is "unquestionably strong" has faltered.
The bank has taken your deposit and converted it into shares to ensure its own survival.
You now own those shares, but you've taken on more risk than you signed up for, and there's a possibility those shares could end up being worthless.
By business reporter Nassim Khadem