Whoever wrote that does not understand the basics of banking in the US: 1) Banks do in fact borrow money, from the Federal Reserve, so that they can make loans. They too are paying interest, AKA Prime Rate. 2) They do take a heavy risk lending money, look at this board for example. 3) Nothing in life is free, the bank is paying interest on the money they lent you, and in turn you pay them interest on the money they lent you.