Are banks investors since they invest money hoping for a return?

yes. duh.

If you have a job, you work for your money.

Folks in the banking industry work for their money and they expect a fair return on their investment. By lending it to folks who are able to repay that money with interest, they make sure that money is properly invested and well-invested.

There are times when the folks they lend money to aren't able to repay the loan. Then the bankers and lenders have to take legal steps to get back that outstanding money: Going to court, Sheriff's sales, etc.

All this costs money. There isn't any "free ride" or "free lunch". NO ONE EVER GETS SOMETHING FOR NOTHING. THERE IS ALWAYS A PRICE TO PAY FOR EVERYTHING: Time, money, talent, other material things.

Thanks for asking your Q! I enjoyed answering it!

VTY,
Ron Berue
Yes, that is my real last name!

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