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William Spear Every time you deposit money in your bank account, you’re engaging in a contract. You’re giving the bank a certain amount of money, and in return, they keep it safe, give you a small amount of interest, and give it back to you when you request it. The problems in this arrangement come with the imbalance of power it presents. Since banks now hold the capital, they have the power to loan out (other people’s) money and make significant returns.