> If people put their savings into a bank account, then this savings would nevertheless be available for investments via the banks, arn't they? No, those two t

> If people put their savings into a bank account, then this savings would nevertheless be available for investments via the banks, arn't they? No, those two things have nothing to do with each other. When you ask a bank for credit to invest into something, the bank just creates money they don't take money from other customers.