Yes, so they take risk, and they should get a return. You will get your money no matter what, so your return is close to nothing. There's no greed or deception

Yes, so they take risk, and they should get a return. You will get your money no matter what, so your return is close to nothing. There's no greed or deception here – it's just market forces. If you want a higher return, buy a bond like the bank.