When someone repays their loan, the money does not go into the bank's accounts, it is destroyed. Only interest are effectively added to the bank credit. The ban

When someone repays their loan, the money does not go into the bank's accounts, it is destroyed. Only interest are effectively added to the bank credit. The bank does not get infinitely rich, because interests are used to pay bank employees, taxes, shareholders. It can get infinitely rich the same way any other company that makes profits can. What's stopping anyone from opening a bank is laws and regulations, you have to get a banking license from the government.