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This article uses replies to the questions which Doxa, an Italian opinion poll agency, asked a sample of bank deposit holders on behalf of Centro Einaudi and Banca Nazionale del Lavoro in June (and October) 2003. The historical period analysed is a significant one insofar as it follows the worldwide collapse of share markets that destroyed such a large amount of family wealth. The author clearly highlights the disappointments and fears of Italian depositors in search of reliable guidance during the still uncertain recovery phase. The wounds inflicted by the destruction of savings are deep and will take years to heal. In the meantime, depositors risk losing confidence and are hence likely to reduce the amount of their saving at a moment in time in which a variety of future needs – social security, first and foremost – are coming prominently to the fore. A great deal can be done to refound the system of formation and use of national savings. While depositors must seek to enhance their knowledge of the matter, it is important above all for financial brokers to avoid profiting from their clients’ lack of information and to offer useful products and services at reasonable prices.