I'd agree with you, if savings accounts were in fact savings accounts. But they are in fact lending accounts, where you lend money to the bank, so they can make

I'd agree with you, if savings accounts were in fact savings accounts. But they are in fact lending accounts, where you lend money to the bank, so they can make more. In this scenario, why shouldn't the bank provide a kickback in the form of interest? If given a choice, I'd rather pay money for stronger guarantees on the safe keeping of my money, and guarantees that my money isn't being used for anything but safe keeping. I could put cash in a vault, I suppose, but I don't want cash. I'm perfectly fine with my money being all digital, I just want it kept safe and away from criminals regardless of whether they wear masks or three piece suits.