00:00Hello bank, I'd like to deposit $1,000 into my savings please.
00:03Why of course, we'll keep this perfectly safe for you and for trusting us we'll pay you 0.03%
00:09in interest.
00:10Sweet, thanks!
00:11Hey bank, I was wondering if I could borrow some money for school?
00:14Um, yeah of course, how much do you need?
00:16Just $1,000.
00:17Oh, well we just so happen to have $1,000 right here, here you go.
00:22But remember, you have to pay us 7% in interest for letting you borrow our money.
00:27Okay, that's fine, thanks.
00:29Hey bank, here's your money back along with the extra $70 to cover the interest.
00:33Great, thank you.
00:35Ahem.
00:36Hey bank, can I withdraw my money from my savings account please?
00:39Ah, yes, yes, of course.
00:40Here you are, perfectly safe just like how you left it.
00:43Oh, and I completely forgot your interest for saving your money with us.
00:47Whoa, wait, hold on, you guys are only giving me 30 cents when you used my money to lend it
00:51to the other guy and you guys made $70 off of him?
00:54Yup, that's how the banking system works.
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