nostr:npub19wp8d0wrts9xcjp7czs0gk95x2dvs70uh7w2f6paaz8kjn6f9zjq5grre4

Well, one reason is the profit spread between savings rates & lending rates & another is actually (as Steve Keen & others have pointed out for years) actually #banks don't really need deposits, they create credit by other means than the model of fractional banking would presume