You're viewing the world as if modern monetary theory is the only option. Banks can give back all deposited money to its customers! Instead of investing deposi

You're viewing the world as if modern monetary theory is the only option. Banks can give back all deposited money to its customers! Instead of investing deposited money, they just need to keep it deposited and request a fee from customers for this service. Like banks did 100 years ago. The fractional reserve banking system is just very bad and causes financial crises such as this one.