And I'm serious about that statement. The only reason someone would use such bank products is because they actually owe something to that bank. It's not like y

And I'm serious about that statement. The only reason someone would use such bank products is because they actually owe something to that bank. It's not like you, or me, are investing. Those investments are part of a larger deal, pretty much like "Hey, I give you 500k but you need to open X account with us with XYZ fees, ok?" or "Look, if you don't pay us the 10m you got from us, you need to put at least 2m in that specific investment" This is not like you or me are investing our savings. This is some obscure, barely legal, deals.