A lot of businesses do though. Also, what if you're buying a house? You might want to keep the down payment around in cash for a quick purchase when you final

A lot of businesses do though. Also, what if you're buying a house? You might want to keep the down payment around in cash for a quick purchase when you finally find the house you want. Or what about if you need to pay out some large expense and have to liquidate your investments. You shouldn't have money at risk just because you need to hold a large cash position. That's the problem. There should be a risk free place to hold unlimited cash.