A recent episode of “The Ramsey Show” took a turn when a caller shared a banking scare that had personal finance expert Dave Ramsey sound off on big banks. Jay from Massachusetts phoned in to ask if it's wise to keep cash at home. He explained that one day, while trying to send money, he opened his Bank of America app and all his accounts showed zero balances. He tried to transfer anyway, and it said ‘insufficient funds.’  After getting hung up on and stuck on hold for nearly an hour, his account finally ...