Think about it like this: The bank can sell the loan to someone else because it produces positive cash flow, but the bank can't sell someone's deposit because i

Think about it like this: The bank can sell the loan to someone else because it produces positive cash flow, but the bank can't sell someone's deposit because if that person comes for their money, they expect the bank to pay them back. It is backwards from the normal business model, but that's because a banks business is to make money lending instead of borrowing to make money.