Banks extracted hundreds of billions from American savers last year — and the scale of it shows a deep structural issue in America’s financial system. Bitcoin might help.

In 2025, U.S. banks generated roughly $434 billion in net interest income, or about $1,670 per adult, according to research from River.  

The mechanism is straightforward: banks take customer deposits, lend or invest those funds at higher rates, and return only a fraction of the yield to depositors. With most savings accounts offering close to zero interest, that spread compounds into one of the most reliable profit engines in the economy.

At the same time, inflation has remained persistently above the…

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