What do you want a bank for when your wallet already is a bank?

You want to loan money out so deadbeats that can't work can make millions off your money.  When a bank loans money and the deadbeat that borrows it does not pay it back?  1. The government bails them out.  2. The deadbeat and their posse blames the bank and sues them and the bank pays a fine.   3. Some deadbeat borrows millions of your money makes twice your money then gives you back 2% for your time.   4. The bank owners give themselves loans and buy companies with your money.  5. All of the above

If you don't know the answer is 5 read the books.