Too Long; Didn't Read
<a href="https://en.wikipedia.org/wiki/Fractional-reserve_banking" target="_blank">How does enabling them to take massive gambles with our money for s**t rewards even work?</a> You deposit £/$10 which allows them to “<strong><em>invest</em></strong>” £/$100 and keep all but a tiny fraction of the profit. 1% interest rates? They are literally presiding over us becoming poorer while they get richer.