this post was submitted on 01 Sep 2024
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I walked into a big bank ™ once looking to take out a loan.
They said: "Sorry, we don't do personal loans anymore."
I blinked for a moment and went: "You are a bank -- who doesn't do loans?"
She blinks back and says: "We do business loans, and we have mortgages but that's all online. You can download our app."
I'm like: "Yes, but I came into the bank, to take a loan, in person."
She just stood there and smiled.
I felt like I was taking crazy pills, but she told the truth. Most banks are for/about business transactions. Our personal accounts are a drop in the bucket for them. Even if they stand to make ~10% interest on a giant loan -- it sometimes doesn't pay for them to bother.
That's why capitalism will fall apart eventually -- the idea of "too big to fail" and capital concentration removes the fear from these institutions in carrying out their basic purpose as defined in their corporate charters :)