Why isn't the Federal Reserve requiring banks to hold depositors' cash?
https://cointelegraph.com/news/why-isn-t-the-federal-reserve-requiring-banks-to-hold-depositors-cash
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Because that's like requiring you to save for the full price of a house before allowing you to buy one, taking the option of a home loan off the table.
Banks aren't required to hold depositors' cash because it would prevent people from taking advantage of modern finance systems.
