how about them lending out your money , pretending its theirs and charging soemone else interst on it? Or even better ( worse) how about them lending out money they don t have and charging interest on that?! ie based on the stat that only 1/8th of depositors will ask for their money bak at any one time, they can lend out 800 for every 100 they have on deposit! (fractional reserve banking) -