### Comment:
even if they just park their money in a bank account, they still provide liquidity to the economy as banks practice fractional reserve banking, which provides mortgages and loans to consumers.

### REPLY:
That only works if mortgages and loans are being made to consumers. They're not, in any volume that would stimulate the economy, because consumers can't afford to borrow. This is a classic trickle down argument and it demonstrably doesn't lead to growth. The bulk of the money is removed from circulation.

### END.