I’m sorry do you have any understanding of how the economy works at scale?
A fundamental part of it is that money has to move. Lots of money that sits is really, really bad.
That’s where investment comes in. Big projects come in (beit R&D, or production, or expansion) and they cost more to start than there is in cash reserves. You could consider a loan an investment as well. And that would be the same, making the bankers the investors (this also applies to mortgages and any other consumer loan).
They must, otherwise companies taking on multi-million dollar projects would have to have more multi-millions sitting dormant in cash reserves. And at the scale of global economies, that is a bad thing.