Loading ...that generates so much CASH and you dont trust investing in Stocks ,the next logical place is NOT to start a Bank !
with all that money .If the banks cant make anything when their cost of money is zero what makes you think you can ? I understand the Politicians are after your money like hungry wolves looking to TAX it away from you !
Find a small business that needs cash to grow and help them grow.! Banking is NOT short of cash !
If you dont want to work hard growing another business ,then buy a STORE of VALUE ! GOLD ,Silver ,WHISKEY,ART, FARMLAND something that gets better with age and no work !