Quote from: leonair on Today at 07:35:16 AM

Quote from: Mrbuck on May 04, 2025, 02:37:51 PM

More and more restrictions and limits and all things to make you yourself harder to use your own money but banks use your money to make profit you get nothing of this and top on that you Pay them fees.

It's like they gamble with your money and you even pay the. Fees for that.

Banks, imagine you have friend who is gambler you give him to hold money and you pay him fee to hold lol too.

Every bank in the country is run according to the rules of a central bank. And here everyone's money is given security. If you keep your money with you, there is a lot of fear of losing it and when you have a lot of money, it will not be possible to keep it physically with you. And the bank provides the solution to this. Where you get security for your money, how can we expect to get more profit from the bank. Banks never invest customer deposits in places where there is a fear of losing money. You should not hesitate to invest your money in high risk for big profit because if you lose your money, you will not have any responsibility. But if the bank invests customer money in high risk and loses it, then how will it pay the customer's money and that is why very little profit is obtained from bank deposits.

Banks exist to reduce risk at scale, and yeah, I would rather not have to sleep on my cash just to keep it safe. Banks can’t gamble with customer deposits and still guarantee withdrawals. Basic math, basic trust. But banks never take risks? It is a bit too clean for reality. 2008 was only the latest reminder that institutions aren’t immune to chasing yield, they’re just required to hide it better

Why “security” and “profit” get treated as mutually exclusive in these discussions. Is the core problem really about safety versus gain, or is it that the entire system teaches us to aim low and call it prudence? Personally, I think the bigger risk is stagnation. Everyone gets a “safe” return, everyone slowly loses to inflation, and nobody asks if there’s a healthier way for regular people to share in the upside of the economy without putting everything on the table

Do we even want banks to take more risk, or do we just want a system where everyday people aren’t forced to choose between hoarding, gambling, or slow erosion? Is there a responsible middle? Or is this just one more problem we debate because the real choices are locked away behind institutional logic? I don’t have a clean answer, but I think “security” has become a little too convenient as a slogan, like, how much security is just stagnation in disguise?