This is silly. It's a good thing that banks loan out most of the money that comes in--that's how they earn money. If they kept all the money in vaults, how could they pay interest to depositors? Your allegation that banks will go bust as people age and withdraw money to "eat" is also wrong. America has aged quite a bit in the last ten years. To my knowledge, no banks have gone bust because armies of ravenous retirees have shown up wanting to withdraw money for the buffet. Japan is much older than the US. Same can be said there. Even if it were true, that money would into the hands of people owning restaurants, and they would want to put it in . . . banks. Learn some economics before spouting off.