Quick history lesson: 1933, after the 1929 stock market crash & during the Great Depression, The Glass Steagall Act was passed, which officially separated Investment banks from Retail / Commercial banks. Meaning, Retail / Commercial banks (the ones we use) could no longer act as a commercial bank AND ALSO use/invest depositors money for speculation (taking risks to make a profit). Bill Clinton repealed this act in 1999, removing the separation barrier. Then 2008 happened. And its happening again
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