me: Sweet, so you guys just hold my money here and it gains interest, turning it into more money? Bank teller: Well actually, we take the money you deposit with us and depending on the current reserve ratio at the time, we only keep a certain small percentage of your money here at the bank. The rest of the money goes into circulation which is why we pay you an interest rate in order to encourage people to actually use the banks so there is a sufficient amount of money in circulation for the banks to use. Make sense? me:
Caption this Meme
