Because in Cyprus there is a 10% loss overnight to depositors as compared to in America where depositors have not lost money in a bank insolvency.
And because you imply that 6% of GDP goes to the banks, rather than a 6% return on a tiny, token volume of capital stock that would barely show up on a community bank’s balance sheet if indeed it exists at all.
The six percent is paid on every dollar loaned from a federal reserve bank to a member bank since each FRN is considered a share otherwise how does 46 billion get paid back into the Treasury in 2010 and 1.6 billion posted as retained earnings but the balance sheet shows an additional capital stock growth from 900 billion to 972 billion. Where did the 72 billion come from in 2010. Pull the balance sheet from the Feds website and run the numbers it is time better spent then insulting me, but hey I guess since you are an expert facts are only an impediment to your considered opinion