[redeeman]

why are we all acting as if its impossible to have a bank that DOESNT spend all the depositors money on god knows what positions?

imagine if you will, some kind of place you could deposit your money, and they WOULDNT get to gamble with it, outside of with consent.

imagine the depositor being able to say "i wish to allow the depositors to be used for whatever the bank pleases", or "i wish to not participate in this"

[reportgunner]

What would they do with the money then, just keep it under a matress ? Why would anyone do that for anyone ?

Don't get me wrong I agree with you, I just think they would get steamrolled by those who use depositors' money to gamble.