[buran77]

> Only a small fraction of the members use the gym at any one time

Only a fraction of the members use the gym at all. If every member of the gym wanted to use it there would be no reasonable schedule to make that possible. ~50% of gym members use it less than 100 times per year, and only ~25% use it consistently.

For banks depending on legislation they have to keep 0/3/10% in reserves, depending on the size of the bank. Which is far worse than most clouds or gyms would ever offer.