``This is just silly. If you deposit money at a bank, you're lending that money to the bank. Bank deposits count as liabilities on the bank's balance sheet: they're money that the bank owes to its depositors. And like all other debt, bank deposits are a contractual arrangement: the bank borrows your money -- and agrees to repay it -- on certain terms. Often, those terms include an effective call option: the depositor can ask for her money back at any time.''

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