Something was brought up in a stream that made me think why this doesn’t exist yet. While someone has money deposited in the bank, there should be interest earned while that money sits in the bank. Maybe every 30 min it gets increased by 1%. I know that there are many people out there who have stacks sitting in the bank, and they go back 2 months later, and the amount stays the same.
tl;dr interest system on money in banks