Great! There is little reason for loan industry and money deposit services to be coupled. Banks lobbying for their free money from deposits is one of the reaso

Great! There is little reason for loan industry and money deposit services to be coupled. Banks lobbying for their free money from deposits is one of the reasons financial start-ups fight an uphill battle. Even though their business is less risky (no loans) they have fewer rights. Hundreds of millions of people are not getting their deserved interest on the savings because banks managed regulatory capture.