Why is the direct transfer of funds from savers to users rare?

The direct transfer of funds from savers to users is rare due to the complexities involved in matching the needs and risk profiles of both parties. Savers typically seek safety and liquidity for their funds, while users often need larger amounts of capital for investment or operational purposes, which may involve higher risks. Additionally, intermediaries like banks and financial institutions play a crucial role in facilitating these transactions, providing services such as risk assessment and credit evaluation, which further complicates direct transfers.