Also, interest rates pay nothing. Unless you are already rich and inherited, I don't see how leaving all of your stuff on the bank is going to benefit you more than it does benefit the bank. While you make peanuts off interest, rich guys can live off bank interest only even if they are single figure %, only because they have so much that it creates a solid passive income.
The rich guys are bank owners themselves. It doesn't make much sense to live off a bank interest when you can establish the bank yourself and live off a loan interest...