I'm not an expert and I'm really willing to learn from others in case you know more. Could you please elaborate more in the matter? As far as I know, they giv

I'm not an expert and I'm really willing to learn from others in case you know more. Could you please elaborate more in the matter? As far as I know, they give credits to people and they invest money to earn more money. That's how banks make money and become profitable. And for what I know they can even operate with more money than they really have. By the way government just guarantees a certain amount of money, in countries like Spain it's just 100K$/account. In other countries like Portugal I believe it's 30K$/account. EDIT: Responding to the government protection fact.