[economusty]

Are you suggesting they should give the cash away? That it should be confiscated from them and redistributed? What point, if any, are you making?

[toomuchtodo]

Monetary policy should be implemented to make those investment opportunities more attractive than holding half a trillion dollars on a commercial bank’s balance sheet. Negative interest rate policy comes to mind.

Central banks don’t confiscate your fiat, they use policy to strongly encourage desired behavior.