### Comment:
Banks actually make more with interest rates being lower bc more people borrow

### REPLY:
https://youtu.be/LQCU36pkH7c 
  
 https://en.m.wikipedia.org/wiki/Reserve_requirement 
  
 No one is going to lock up money for 2, 5, 10, or 30 years at 1.7-2.5% ROI. Shadow banking may be able to lend, but then we will be back into the same problem when shadow banks fail.

### END.