Unfortunately, that’s not how the system currently works. Literally any bank (in our currently capitalist system) would collapse from undue pressure from depos

Unfortunately, that’s not how the system currently works. Literally any bank (in our currently capitalist system) would collapse from undue pressure from depositors. This is because banks are under pressure to make a profit, and the only way to do that is through lending out deposits. If you want to fix the system, petition the government to nationalize the banks.