The level of conditioning most people have with regard to money is unreal.

Banker: We're going to accept your loan and pay you 0.6%. Meanwhile, we will use your loan as collateral to lend money to Joe for a house, and he'll pay us 3%. Oh, and btw we are't even going to keep that loan here. We are going to sell it as fast as possible and do it all over again! But sure, you can take your loan back at any time so long as not everybody does that at the same time.

Brainwashed: But can I get 0.65%?