You still haven ' t provided any source that supports , And these deposits between Nov 8 th and Dec 31 st , are not deposits . they ' re just being parked there for the time being and will check out before the banks can even finish counting . This is nothing more than a ill conceived rant that proves to me that you lack utter common sense or logic for that matter . For whatever agenda you have , you want the poor to stay out of the banking system , and you come out as an imbecile who lacks common sense especially when you say , Neither bank nor individual made an extra penny after it got deposited in the bank . You should do basic research on banking 101 and why most countries are opting for everyone to have a bank account .