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Continue to ChatThe art of banking is always to balance the risk of a run with the reward of a profit. The tantalizing factor in the equation is that riskier borrowers pay higher interest rates. Ultimate safety - a strongbox full of currency - would avail the banker nothing. Maximum risk - a portfolio of loans to prospective bankrupts at usurious interest rates - would invite disaster. A good banker safely and profitably treads the middle ground. - James Grant from https://whatsmyquote.com/quote/the-art-of-banking-is-always-to-balance-the-risk-of-a-run-with-the-reward-of-a-profit-the-tantalizing-factor