Banks provide economies of scale by spreading the cost of a vault across many customers, which is cheaper than each person building their own vault.

factualpending

Speaker

Arnold Kling

Evidence Quote

if you spread the cost of a vault over lots of people that's that's one story it's not my key story

Source

Arnold Kling on the Unseen World of Banking, Mortgages, and Government 07/5/2010EconTalk
Created: 6/13/2026, 7:04:06 PM

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