[Blackthorn]

People aren't waiting ten years for their money.

[Aeolun]

I’m inclined to say they will if it guarantees they get it back.

[gruez]

But a dollar in 10 years is worth less than a dollar today. In either case the result is the same: you take a haircut on the present value of your deposits.

[flangola7]

No but $1 in ten years will be worth more than $0.50 today.

[Blackthorn]

Specifically, it's worth about $0.65 today.