Because the guy who owns the Rolls utilises the bank well when it would be otherwise left idle & gets a loan in the process to his benefit. This is similar to t

Because the guy who owns the Rolls utilises the bank well when it would be otherwise left idle & gets a loan in the process to his benefit. This is similar to the Cheese which is left idle and cheaply let to mature while the guy can take a loan on it. Or would it be better to mature the cheese in their own more expensive facility which doesn't get the same economies of scale?