Final answer:
A system is maintained to ensure safe and proper function in order to protect the integrity of the financial system and individuals' savings. This prevents failures in critical parts of the financial system and ensures that individuals can access their money.
Step-by-step explanation:
A system is maintained to ensure safe and proper function in order to protect the integrity of the financial system and individuals' savings. The purpose of maintaining such a system is to prevent failures in critical parts of the financial system, which could result in firms being unable to obtain financing for their business and individuals being unable to access their money in bank accounts. For example, during the 2008-2009 financial crisis, the failure of certain parts of the financial system led to checks not being accepted for payment and debit cards being declined.