My little thinking is
For bank investment:
Risk free
Low profit
Get profit for a certain period of time
I think you should replace the "low profit" in there to "Loss", or to be more mild on the banks, say "possible loss", because with the way fiat currencies are losing their value and purchasing power, I do not see how any body can make any profit from investing in a bank, which is, leaving their money in their bank account account to yield interest for them.
Lets say for instance, a bag of price is being sold for $40 in January, and you kept like $500 in the bank which you hope to withdraw by December, when December finally comes, you discover that your $500 is now $550, you take it and go to the market, only to discover that the bag of rice that was sold for $40 in January is now being sold for $100 by December same year, and this is how other things in the market have added prices too, at the end, you discover that you made no single profit from that money you kept in the bank, but only losses.
I would personally say that it is only unwise people that are leaving their money on the bank for interest.