Where in the text of their comment did they say that? The sentence you quoted doesn't have anything to do with the point you claimed they're making. And the G

Where in the text of their comment did they say that? The sentence you quoted doesn't have anything to do with the point you claimed they're making. And the GP is right: banks have to lend because the system is set up to use credit for investment, personal consumption, and to balance shocks. Doesn't take anyone being altruistic.