Banking is interesting thing. When you deposit your money in a bank account, in other words you lend your money to bank, you get 0.01% APR, and a bank can keep this debt forever. If you withdraw your money, they just borrow the same amount from another person for 0.01% APR. When you borrow money from a bank, they charge you 20% APR, and you have a strict payment schedule, and if you default on payment, they fuck you up. There is something wrong in this scheme, isn't it?