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Well when you spend your money you are literally stealing it out of the hands of my and my friends in banking.

In this example, the banking provides the service of a safe place to keep my money until I spend it. That's what I pay for, in the form account fees and the banks ability to leverage my saved money for their financial gain.

100% the opposite. Bankers make their money from the flows of cash streams. Putting my cash under a mattress or setting it on fire steals it out of the hands of your banking friends.

This may be a regional difference, but we make most of our money on fees. Cashflow isn't actually worth that much in the current economy.

Not that it matters though, I was trying to make use of the "common knowledge" that banks make money from your deposits, and that therefore you spending your money instead of depositing it in a negative return account is costing us potential revenue. I know that's not how banks make money, but it's the culturally accepted explanation for how banks make money.

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