Having a hard time calling this "exploiting" in a country where having different accounts with different banks is just something you do. Why would you have a si

Having a hard time calling this "exploiting" in a country where having different accounts with different banks is just something you do. Why would you have a single account with a single bank? Unless your account costs you loads of money instead of the banks going "thanks for your money, it's ours to invest how we see fit and profit off of, even if in theory you could withdraw it at any time. Which you won't". The dutch banking system is literally a foreign concept to North America. Imagine free accounts, free transfers to and from other banks, free ATM use, and not needing a credit card because banks actually did all the things that credit card companies put "on top of bank accounts" in the US. It's such a completely different system that analyzing the NL banking model with a pair of US glasses on just makes no sense at all.