The Gamble of Your Bank Deposits

Your bank is basically gambling with your life savings right now. They call it asset

transformation, but here is the reality. You think your money is sitting in a

vault, but to the bank, your deposit is actually a liability they owe you.

They take that cheap cash and immediately flip it into high-interest assets like mortgages and business loans.

It is the ultimate hustle of borrowing short and lending long. They have to constantly

balance liquidity against profit. Too much safety means low returns for their shareholders,

but too little cushion means they collapse like they did in 2008. They are literally

betting on the fact that you won't all ask for your money back at the same time.