Yeah. And if "they" invest your money to trading fractional banking based financial instruments to get that 5%, it is quite certainly rather wasteful as compared to any productive activity such as planting trees, no matter how low the return % in numbers. See, I don't care what a theory of economics says, productivity in real life can not be measured as increase in numbers of your wealth, because the numbers of your wealth can be skewed to not reflect real value.

And we come back to the great evil, interest and fractional banking combined. It messes up everything, we can not even measure wealth properly or talk about interest without confusion.