I am not sold on deposits rising overall because startups die a lot and the few homeruns will quickly dump you for Morgan Stanley or JPM as soon as they make it

I am not sold on deposits rising overall because startups die a lot and the few homeruns will quickly dump you for Morgan Stanley or JPM as soon as they make it big. But even if deposits rise how are you going to propel the money multiplier considering that your customer base doesn’t need loans? Startups are notoriously scared of any debt/loan