> I'd rather go back to a simpler form where banks were only allowed to make money on the spread between lending and savings rates, making them boring and havi

> I'd rather go back to a simpler form where banks were only allowed to make money on the spread between lending and savings rates, making them boring and having to compete (with higher savings rates, for example) for your business I'm truly interested in what's happening now and why this _is not_ the case. Can you elaborate on what they're doing now to make now, rather than making on the spread?