> Would anyone use a bank if it didn't enable certain types of transactions (credit cards, wires, ACH) and didn't include any sort of risk reduction? That is w

> Would anyone use a bank if it didn't enable certain types of transactions (credit cards, wires, ACH) and didn't include any sort of risk reduction? That is what I always believed hedge funds are. It might matter that (in my country) I will likely never have enough money to get net profit from my saving account (interests minus price of services), but if I were aiming for that I would invest, not deposit