I'm not mixing -- if I have $0 in my bank account today and I don't get paid until Friday, I cannot buy food today with a debit card. Being able to buy things today on the promise of future cash flows is a risk-based financial product and risk comes with premiums. (Again: could you solve this problem by having more money in your account? Sure! But there are a lot of downstream consequences of every consumer and business in society operating that way and there are real trade-offs that should be discussed with more nuance than "monopoly hoard ledger boo")