Is it true that only crooks and corrupt people have accounts at swiss bank?

Mubarak, Saddam Hussein, Nigerian government officials, fidel castro, etc etc are examples of controversial people having accounts at swiss bank. Years ago I read on a website that only shady characters keep off-shore accounts to evade taxes or hide their secret wealth. Also why would anyone open a swiss account living in another continent or another country on the other side of the globe? As if there are no banks in their own countries?