system
A chat on /r/wallstreetbets
human
Eurozone which is similar: You deposit money and you have to pay the bank interest if its a large amount otherwise the rate is usually 0. If you lend money you still have to pay interest due to the spread something between 2 and 8% depending on the quality of the collateral.

gpt
&gt; If you lend money you still have to pay interest due to the spread something between 2 and 8%  
  
 In other words, banks will always find a way to rob you.