“I want to make a deposit and earn interest” “Sorry we have to wait for someone else to want a loan” If you’re trying to solve one extremely rare problem (ban

“I want to make a deposit and earn interest” “Sorry we have to wait for someone else to want a loan” If you’re trying to solve one extremely rare problem (bank runs) by completely dismantling a much demanded and commonly used banking feature (interest bearing accounts with liquidity) then sure, this would do it. But nobody actually wants that.