- Saving separate from Loan/investment : Any savings/investment are in a separate reserve which is protected and paid back in case of collapse (no risk to savers)
What would be the point of paying interest on people's savings, if you can't use their deposits to earn interest yourself (via lending)?
Indeed which is why I suggested underneath an agreed fixed amount of saving for investment perhaps as a system to allow interest. Or prehaps not paying interest, instead taking a small fee monthly for the service of keeping it safe, quick access etc.
Finding a banking method that works both for the consumer and the bank is tricky which is why I'm asking what others think.