Not to be a dick, but the above cited sources and you made assertions without anything pointing to anything to back them up. What reason do any of us have to put any stock in what you've written?
Here's even more: http://business.time.com/2013/02/05/the-federal-governments-...
As for how banks work, pretty much any book on how the banking business works will tell you that. Or you could watch that old movie "It's a Wonderful Life" where they give an accurate description at the end how banks work. And frankly, it's just common sense. Why would banks offer free checking? They're not charities. They need the money so they can turn around and loan it out. It's fundamentally how banking works.
I've never heard of a Scrooge McDuck cash vault outside of a comic book. Have you? (There is Fort Knox, but that's the feds, and it's not cash.)
https://money.howstuffworks.com/personal-finance/banking/ban...