I am happy to earn a low interest rate on them as they provide me valuable 1/7  BIS central bankers' speeches  liquidity services, allowing me to meet my day to day and the occasional lumpy payment needs. What are bank loans? There are many depositors like me parking their savings in the bank.
Viewed this way, the bank is a safety vault or a storage technology. However, most of the time, the deposits are not being withdrawn and are simply being rolled over. Even when withdrawn, the deposits are not being redeemed at the same time. For instance, my health expenses are not coincident with those of my neighbor.