Tax liability for money in bank account

1. Income tax will be charged only for your income. The income tax department will not irresponsibly charge tax based on your bank deposits or balance. 
2. However, they could as for the source of such income which is natural in any case. 
3. Banks too have no right to deduct TDS unnecessarily for the deposit you have made. They may ask for a source but no right to deduct tax without your knowledge. 
Please correct me if the above solution has an alternative view. 

1. Money deposited into your bank account not necessarily be your income (could also be your savings). 
2. Moreover, it is not the banks' responsibility to track your income and deduct TDS every time when you have balance in your account. 
3. Bank deducts TDS only with respect to income which they are providing or crediting it to your account ie like interest. 
4. You can freely maintain balance in any banks in India provided a proper explanation to its source is available. CHILL !! 
Please correct me if the above solution has an alternative view.