I have probably mentioned this before, but i will say it again: the current banking system in many countries in the UK is evil in a sense that is purer than most evils.
So how does the banking system work?
First, there is the theory - people put their money into banks, while that money is just sitting there, the banks use that money to invest into other enterprises in order to make a profit while making that money available to the savers when they want it.
The investment can be in business, in enterprises or as loans to individuals and firms in order to get them to do their jobs and make even more money.
That sounds benign enough.
But what really happens is not exactly that and over time the corruption of the system has balooned to take over.