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I really agree with what you say, banks only manage money saved by customers and when there are other customers who want to apply for a loan at the bank they will give them money that other customers have saved at that bank and if customers who save money they want to make a withdrawal must prepare files that comply with the requirements provided by the bank.
For some people who understand this, of course they will not save large amounts of their money in the bank, but they will use the money they have for various businesses or real assets and this will also be more profitable for them.
Of course, I don't really know how banks manage customer money. But because we like to read and are often in social environments, information about banks in managing customer money is too complicated, even though it is not their money but the customer's.
From many cases that have been experienced by people who have deposits in banks, banks are not a cooperative place to store large amounts of money.
It seems that there is some truth in saving money in the bank, it doesn't need to be in large amounts or only for necessities that can be withdrawn via an ATM machine.
For large amounts, invest in a more real type so that one day you need it you can disburse it without having to go through a complicated process.