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May 25, 2024   "If you're a car manufacturer, you don't say 'Well, we've got these cars, but we also think we can do well with rate arbitrage, so we're going to stand up a bank.'" I was chatting with a childhood friend. He's trying to make the math work on a new van for the family. "Instead, you say, 'Well, we've got these cars, not everyone can afford to buy them in cash, and while there are banks, we can probably sell more cars, quicker if we are also a bank,'" I went on, explaining w

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