Banking as more than APR income;

The reserve ratio in the Banking industry is the ratio between the amount of capital that a bank must have on hand and the amount of money it can lend. China has changed the reserve ratio to control the money supply instead of depending solely on changing the Prime rate.

Since the reserve ratio is as low as 10% or lower, consider starting a Bank as a money making proposition. I could start with $100, and promptly loan out $1000. At a 6% return, would make %60 in the first year. This means that my venture would pay back more than half in the first year, and 3 times over after the first 5 years. If I could borrow at Prime rate, and loan at 25%, profits should be excellent.

To prevent a run on the banks, you could argue that they should maintain the reserve ratio in cash at the bank. This would ensure cash circulation and ensure public confidence in Banking as a whole. If a bank's assets fall below the reserve ratio, this indicates a Greed that may not be properly suited to the rational economic system.

Note: Cash is the bane of the DEA's existence. There are people who argue that a cashless system would solve that problem without consequence. I argue that I could not spend a digital token during a power blackout. I need something I can hold in my hand.