Fortunately for you UT you have complete ignorance as an excuse
When you came on here the other day espousing the virtues of inflation and lower interest rates you are asking depositors and savers to not only forgo investment income, but also purchasing power
This is not only for your own personal financial benefit in terms of preserving the value of investments, but also to use that very persons(depositors) cheap money to borrow even more for your own personal investing activities
without that depositor you are nothing really, if all of them withdrew money from the bank and bought gold and silver then your outstanding debts may have to be called in
and why wouldnt they do that if deposit rates were just where you wanted them to be?
