Also, for what it's worth, money in the bank = that bank having more bank reserves = that bank effectively having greater leverage to do gods know what with. I

Also, for what it's worth, money in the bank = that bank having more bank reserves = that bank effectively having greater leverage to do gods know what with. If your goal is not to give anyone else your capital to do anything with, you'd better at least have it in hard cash, if not outright hard commodities. Otherwise, don't fool yourself into getting a smaller return while still doing what you thought you were avoiding.