One can argue that banks shouldn't be able to invest "normal" saving deposits, only things given them for long term (i.e. CDs). Therefore, a client shouldn't e

One can argue that banks shouldn't be able to invest "normal" saving deposits, only things given them for long term (i.e. CDs). Therefore, a client shouldn't expect interest on normal savings, but if they want to see their cash grow, have to give it to the bank in a manner that they gives the bank a higher level of guarantee that they wont withdraw it (and since the bank can't invest the "normal savings", that cash should always be there and a run should therefore be "impossible", or at least much harder). This would make banking more expensive overall though, possibly changing the model where we essentially are paid to bank at a bank to having to pay to bank at a bank.