[InclinedPlane]

"Some reason."

Could be, and now I'm just spitballing here, but it could be the use of government backed currencies, the heavy degree of government oversight and regulation, and the federally insured deposits.

[scottlocklin]

You should really, really look at how a bank actually works. You're in for a big surprise!

Barring that you should look at Lawler's article on tether: https://kevinlawler.com/stablecoins

He offers forward contracts if you think he's wrong. He's good for it.