By no means are banks the hero in most stories but from the view of normal depository actions I do not believe them to be the villain. Banks are required to fol

By no means are banks the hero in most stories but from the view of normal depository actions I do not believe them to be the villain. Banks are required to follow very specific rules when it comes to deposits and while yes they should be making a spread on the money, they are not just buying up risky investments with it.