The critical importance of banking

[shikamaru]

Become a "member bank". I like it!

You are your banker. So many people just save, and so many people are very poor at it. But once you have some capital to work with, this is very nice in itself. You have bank.

You are correct with your last few sentences.

The trick is to turn money into capital.
Money is ephemeral. Capital is enduring.