Q,
What money sitting in banks are you talking about? The rich folks' money or the poor folks'? The rich folks are also buying multiple multi-million dollar homes, private jetliners, yachts the size of Manhattan, and senators.

Poor folks, on the other hand, don't get to have things like mortgages and cars that require financing.

What you are suggesting sounds remarkably like trickle-down economics. I've been trickled on enough, thank you.