Or you have a modest mortgage that you want to overpay and have a baby so were planning on holidaying in the UK anyway.
That's good for you, but sooner or later depositors are going to start withdrawing money and that will result in serious liquidity problems for the banks. The banks are/were still doing some good savings rates to try and improve liquidity but the government is forcing them to lend more and more cheaply thus reduce their ability to attract savings money.
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