system
A chat on subreddit /r/me_irl
human
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.
gpt
Until the bank fucks up, then it's up to the taxpayer to fix it for them