Do Better. The Bank

Welcome to another one of my ramblings :p


With all of the current bank fails in the USA, I wonder what would happen if you made a bank putting the people above Corporate Greed and actucally actively worked towards having enough money in your bank to enable a bank run and your bank would still standing.

Like what would happen if we used the Fractional Banking System but only for a while? Meaning the bank kept reducing its reliances on loaning out everyday peoples money and instead focus on growing its own stack/assets which could/would pay dividends and then use that as a way to not only pay its employees but also loan out more money.
Also, buying assets such as Gold, Silver, Bronze as stable assets, so all of the banks money wouldn't sit in a bank account and yes, bitcoin, but bitcoin is still more volatile.

I recently learned that banks in Denmark don't have a minimum requirement to hold customers funds anymore. Which is insane?

What I am talking about is a bank starting like anyother bank by lending out customers funds properly 95% or something but slowly decreasing that % down to 0% and just having customers funds avaliable for people.
It sounds so ridiously that it might work in the current day and age where alot of people are searching for safety.

Would the profits be big? No, would it be able to operate? Well, hopefully since thats the goal. As long as the bank could run it would be good

The entire goal would be to hit a profit of 5% after all expenses. That would be the ideal goal. It would properly flucuatebut, but again would it matter??

I see profit as money to be used in future projects or future development and not something there is entirely needed. As long as all expenses are paid for it should be a problem and as long as all of the expenses are counted for and a % of money is allocated to some account dealing with this expense, it should all straight forward.



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6 comments
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This is not good, banks are no longer trust worthy. I am kind of afraid with all of the things that are going all over the world. What about cashing out what you earn 😛😛

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Well, right now we cant cash out what earn, since the bank doesn't have enough money..thats what I wanted to change :p

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ohoo this is not good you can invest that money, keeping money in banks is not really a good idea these days. 🙂

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I am diversifying everywhere, no doubt :D

But I know xD And thats why I thought about this, why not have a bank you CAN trust? and where you can get your money? :D

Like, banks are banks right now, but that doesn't mean we can't change that or make a better bank :D

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that is good I guess,.try to shift your bank to a more responsible one 😅 that is what you can do. all banks are the same in the end I guess. I did get confused by this a lot too. I used to have around 4 bank accounts now I have only 2 one is my salary account and the other one is where I keep all my money 🤣(that is what I do think )

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