Ever wonder about the ethics of banking? That's easy - it doesn't have any. Not a one. Without exception, banks are the scaliest, scummiest operators on the planet. Think a bunch of Ferengi in a feeding frenzy - and that's an insult to the Ferengi!
So you have a savings account - and say you leave money in that account and don't deposit or withdraw anything from it - do you know what will happen? Go back in a couple of months and check.
Will the amount you left in there be more? Or less?
What do you thing?