Not so much a nation of whiners as a nation of whack jobs*:

Richard Cruz, 48, of Manhattan, said he’s moving money he’s saved for his daughter’s college education out of his bank and into somewhere he thinks is safer.

“I’m afraid we’re going to lose it all. I’m going to put my money into a shoebox,” he said.

Cruz said he contemplated going to the mattresses, but decided that was too “last century.”

“No one hides their money under a mattress any more,” he said. “That’s the first place people would look.”

Cruz, whose 17-year-old daughter attends Hunter College, said “they say the banks can’t mess with it but I don’t trust them.”

He even says he wants to pull out the money in his daughter’s account that she saved from her Sweet 16 party.

“Sure it’s insured,” he said, “but if the banks get hit for billions of dollars, I’ll be lucky to get even half of that.”

*I really, really hope this is the Post’s version of the bogus trend of the week . . .