Make “rich” “friends” if you can. There are plenty of children of upper middle class and petit bogie parents who have an awful consumerist attitude about everything and don’t have real friends. They treat everything as a competition to flaunt goods, and will be constantly getting rid of “old” stuff that is actually only a year or two old.

I have a few that I mostly just drink and play videogames with. Once you find one you start to find more.

Feels a little psychopathic when I put it like that but eh.

I wouldn’t say they rely on it, but they do take advantage of it. Banks do many things to make money.

They are only actually required to have a certain percentage of the money they “have” on hand not being invested. This amount has constantly been shrinking in the US, and was actually reduced to zero with a lot of asterisks during the beginning of the Covid pandemic.

Realistically, if there was a decrease in the amount of money people were saving rather than investing and it was negatively effecting their business they would just have the reserve requirements lowered even more.

The main function of the banks is to give out loans. All other functions are only there to assist in this main function.