Avoid penalty interest on bank deposits?

Yes. But please note that lockers are often only insured up to 10 TE or 30 TE. So also include the additional insurance for this, which you could also take out in Switzerland in the case of paranoia. And put the payout receipt for the cash in the locker in case of inquiries during redeposit.

I would have suggested that too, although I am basically fully digitalized when it comes to money. In case of potential need for care, it would also have the advantage that the money could be declared as spent.

Yeah, great attitude in the welfare state. Someone has the money to cover the enormous costs of care themselves and prefers to shift these costs onto society. Thank you for that.

I very much hope that the free state care is very minimalist. Those who have the money will want better and voluntarily pay more, or gladly endure the minimum standard set by society, knowing they have saved money that the ungrateful children would rather blow than come visit.