>be me
>railroad tycoon
>i'm rolling in cash from my railroad.
>but it looks like the railroad market is saturated now
>if I invest my cash in a railroad, it won't make that much profit
>do I have better options?
>how do I even find better investment opportunities?
>my friend Kyle the Banker says he can take my money and give me a guaranteed interest on top
>he employs dozens of nerds to find investment opportunities, but has no money
>he uses my money, invests in profitable industries, makes $$$
>i get my profit, and he skims a cut from the top
Or more realistically
>be me
>30-something in a bullshit job
>make enough to survive and save some on the side
>put it under my mattress?
>no, bandits
>put it in the bank
>they give me fuckall interest because I'm not going to go invest in a business on my own
>they use my money as capital and keep the profits for their shareholders
>i'm doing my part!
>eventually I get my money out to buy things
Or more horrifically
>be me
>illegally escaped hunger and poverty in my country
>cash in my paychecks at a bullshit place, they steal a chunk, can't complain or the blueshirts will catch me
>put it under my mattress
>the boss uses a bank to make more profit from the wealth he took off my back
>the boss gets a bank loan to invest in the tools I use
>i never met anyone from the bank but I make them a lot of money
>shit, bandits