system
A chat on subreddit /r/wallstreetbets
human
even if they just park their money in a bank account, they still provide liquidity to the economy as banks practice fractional reserve banking, which provides mortgages and loans to consumers.

gpt
That only works if mortgages and loans are being made to consumers. They're not, in any volume that would stimulate the economy, because consumers can't afford to borrow. This is a classic trickle down argument and it demonstrably doesn't lead to growth. The bulk of the money is removed from circulation.