<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>dannyw</author><text>In a competitive market, if the Fed is paying out 1.95% to bank reserves, there is no reason why my savings account shouldn&amp;#x27;t pay me that figure minus a spread for expenses and a profit spread.</text><parent_chain></parent_chain></comment><story><title>The Fed stalls the creation of a bank with a novel business model</title><url>https://www.economist.com/finance-and-economics/2018/09/22/the-fed-stalls-the-creation-of-a-bank-with-a-novel-business-model</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>User23</author><text>There is the usual misinformation in this article. Banks don’t loan out deposits. Originating loans expands their balance sheet. Deposits are useful to satisfy reserve requirements, when they exist[1], but if the loan is profitable the bank can always borrow the reserves at a lower rate on the interbank market.&lt;p&gt;[1]&lt;a href=&quot;https:&amp;#x2F;&amp;#x2F;www.federalreserve.gov&amp;#x2F;monetarypolicy&amp;#x2F;reservereq.htm&quot; rel=&quot;nofollow&quot;&gt;https:&amp;#x2F;&amp;#x2F;www.federalreserve.gov&amp;#x2F;monetarypolicy&amp;#x2F;reservereq.htm&lt;/a&gt;</text><parent_chain></parent_chain></comment><story><title>The Fed stalls the creation of a bank with a novel business model</title><url>https://www.economist.com/finance-and-economics/2018/09/22/the-fed-stalls-the-creation-of-a-bank-with-a-novel-business-model</url></story>