Maybe a bit, but banks get a majority of their money from deposits. That's their business. Take deposits (pay low interest) and loan it out (higher interest)

Maybe a bit, but banks get a majority of their money from deposits. That's their business. Take deposits (pay low interest) and loan it out (higher interest) with some credit risk. The Fed window is a last reserve to protect them from a run on the bank. They could do their business without the Fed window but with a conservative loan-to-deposit ratio. The government doesn't want that because when a bank goes under, banks stop lending which shuts down the economy.