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You give them $100,000 and they store $5000 of it, at best.

If other people take their money out first you'll end up with zero, if you're lucky though a government bailout will come along and the loss is outsourced onto future taxpayers.

The bank doesn't have your actual money on hold in case you want it.

But I already pay them extra for that and they do work and profit with my money. You think your bank is just doing nothing with your money? I think its not too much to ask to want to at least get interest matching inflation. But go defend the noble banks why not.

Except they don't store all of it, they loan it out to other people and pocket the interest