Why is “making most of your money from interest” better than “making most of your money from credits”? If you asked me what’s more likely, for interest rates (

Why is “making most of your money from interest” better than “making most of your money from credits”? If you asked me what’s more likely, for interest rates (to customers) to fall or for emission credits to stop, I know where I’d put my bets Edit: It’s an actual question, not just rethorical