but operating costs don't rise linearly with deposits (i imagine it rises sub-linearly, at most), esp. if they can choose to pay 0% interest for deposits. It r

but operating costs don't rise linearly with deposits (i imagine it rises sub-linearly, at most), esp. if they can choose to pay 0% interest for deposits. It really is just a matter of money making. They didn't want to accept the low yield, but certain safety, and accepted a higher yield, but with risk. It caught up to them.