Banks cannot use your money to make loans to people or to make investments.?

Banks typically use deposited funds to make loans and investments, which is a fundamental part of their business model. This process, known as fractional reserve banking, allows banks to lend out a portion of deposited money while keeping a fraction in reserve for withdrawals. However, regulations exist to ensure that banks maintain sufficient reserves and manage risks appropriately. Thus, while banks do use your money to facilitate loans and investments, they are required to adhere to strict guidelines to protect depositors' interests.