[noir_lord]

In that it's theoretically possible of course.

The problem is inflation and the lack of interest rates means that just holding cash is a losing proposition (inflation will eat away at it).

With inflation running at 9%ish percent if you hold 20K for 10 years at 9% inflation, it's real worth at the end will be ~8.5K.

[jen20]

That risk belongs to the depositor though.

[tekknik]

No, the banks goal is to make money, if their assets keep devaluing it is also their problem.