My mistake. I understand what you are saying now.

However there would still be nothing luring people to banks who wouldn't
be making a profit from keeping gold in there. Banks can't just create
money out of nowhere, they need some source of income that is going to
be reliably greater than what is being paid in interest. Not just on a
hope that people are going to withdraw enough to cover the cost.

Penned by my hand on the 1st of Haernos, in the year 162 MA.