I sometimes shake my head in wonder about what gets downvoted here around, since you speak the factual truth. Think about it: if commercial banks wouldn't hand

I sometimes shake my head in wonder about what gets downvoted here around, since you speak the factual truth. Think about it: if commercial banks wouldn't handle finance in the way you describe, it would be virtually impossible that they go bust. They could still be drowned by dodgy loans. But let's just say that the risk profile would be rather different.