100% agree with you Z-man.
There is nothing quite like a fractional banking system, lol.
the only thing i would add to your post is the tax portion that the government takes on the interest earned on the savings.
Though low, a bank dividend would be better than having your money sit in an interest bearing account.
Its amazing how the system works banks and the Tax man working hand in hand, despite what's in the media.
Just like the property market was looked after, government funding lol then they get it back with a bank levy.
Have a good day
Rooks
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