The bank has to make money, otherwise it cannot pay it's staff or keep the lights on. So that's either loans, or effectively giving people a negative interest

The bank has to make money, otherwise it cannot pay it's staff or keep the lights on. So that's either loans, or effectively giving people a negative interest account where you lose your money. Citibank does this, they just call it "fees" and it really, really hurts the people who don't have much money.