. You want development? You have to run some risks. Invest in companies; investigate the marketplaces. The actual activity is in that regard. Not accept those pitiful rates of interest. You are able of much more. Learn, see how money works, and then make it work for you. Indeed, there is risk involved. However, guess what? That is life. Playing things safe and allowing your potential to fade represents the largest risk
This is the precipice function of fa banking system: transferring the duration of the liabilities and taking deposits (short-term liabilities) into long-term ones (mortgages).
So, they take some risk in this approach.
Of course, this is for a healthy commercial bank. Not that they are so currently, in this rigged system.