system
A chat on subreddit /r/me_irl
human
Now change boss to federal reserve and friend to either big bank or wealthy stock holders.. you have how most of the world's banking system works and how the rich get richer.. working man is the sucker..
gpt
Banks give you risk free interest. They then take on risk which gets them more than the interest you get. Point is they took on risk. You get guaranteed return. Why is that a problem. You didn’t take the risk.

Funny thing is banks don’t even need your deposit. Just needs capital collateral at a % ratio.