Yeah Catou, you are talking charity, especially since it's contrary to everything you've ever posted about risk management practices in the Canadian banking sector, as SFI points out. The banks do what they know and have confidence in, as their shareholders and the government expect them to. RBC is a Schedule 1 bank taking deposits, it is prohibited from taking on risks that would jeopardize their Tier 1 capital under the Bank Act and Basel III international regulatory framework. What you advocate is putting depositor capital up for grabs, how is that in any way a good idea? Financing for entrepreneurs and business development does not fall under the purview of the big banks but there are a variety of venture capital, private equity and angel investors as well as online fund-raisers, the BDC or even traditional equity markets to raise capital where the risk belongs.