I mean look at this the UK has the same problem
Hello world it's the same song that we're singing and it can't be making you happy
Is that the reason they got big bucks from all us taxpayers, to hoard it? Coz that's what they are doing, and getting paid interest to do it to.

http://blogs.telegraph.co.uk/finance...0%99t-working/


As you can see from this chart, provided by Fathom Consulting, the growth rate is hardly anywhere near the 7pc minimum you might expect given what the Bank is pumping into the economy. “It implies,” according to Fathom, “that banks are using some of the cash themselves and hoarding much of the rest.”