Plus, banks actually serve an important economic role. When you put money in a savings account, the bank can lend it out to someone else as an investment, allowing enterprising individuals access to startup capital to build productive businesses or even just mortgages to buy homes, while also providing a quite safe means of storing your savings. Essentially, they connect those who have spare capital with those who need capital. And sure, there’s a lot of tomfoolery that goes on in the industry, but the core idea of banking is good.