[actionablefiber]

So the conversation goes:

A: We have too many depositors! We are not getting enough yield to pay interest without taking on risk.

B: What if we reduced the interest we pay on deposits?

A: Then we'd stop getting new depositors! Our only option is to take on risk.

You are right, this feels like a very unsympathetic problem to have. If you are a regulated bank you need to act like a grown-up and understand that overworking the soil and underworking the soil will both give you a bad yield in the end.