honest question: do you think $23B interest is just "making a living"? because if not, then you acknowledge there's an opportunity to charge a teeny bit less,

honest question: do you think $23B interest is just "making a living"? because if not, then you acknowledge there's an opportunity to charge a teeny bit less, and maybe not move in to an uber chic building, to completely maximize potential profit according to the altar of profit-seeking. hell, according to this whole "efficient allocation of resources" "hypothesis" we should have long ago arrived at a point where the only way for these poor, poor banks to make a nickel is to massively innovate on risk models, technology, etc. because there's so much money (=> competition) that hundreds of firms are competing by lowering interest rate and there's barely any revenue to be made to pay for things like employees and computers. so why aren't we there yet?