The value is in that the bank has more capital than you. Consider the case of islamic banking, for example. You could think that lending money without charging

The value is in that the bank has more capital than you. Consider the case of islamic banking, for example. You could think that lending money without charging interest is completely bonkers and it’s impossible to make a business that way. However, by thinking out-the-box you can get an arrangement which is favorable to all involved parties.