But at the moment we end up subsidising the banks with our money so they can make more money at our expense If you want to kickstart economies then expecting b

But at the moment we end up subsidising the banks with our money so they can make more money at our expense If you want to kickstart economies then expecting banks that are up shit creek due to their past lending and investment practices isn't the way to do it. The way to do it is give people money to use as they wish and not pick favourite industries. If people save the money it increases banks capital ratios, if they pay off debt it reduces the banks loan book, if they spend it it may increase inflation through consumer prices. Some people might even use it as capital to create a new business. Our current bank focused model of QE does none of these things.