@Frischling That's how it's supposed to work, but it doesn't. Today banks are allowed to be wildly over-leveraged, even post-2008 & they do make risky bets, but most certainly not on you or me (see: Bubbles) - and it isn't actually risk anyway, because they get bailed out if it fails. That is, their risks are paid off with taxpayer money, on top of possessing everybody's money for free. Banks were created as a service but now they're basically a money siphon for the rich.