Streve's barking at banking

I recently heard on the telly that banks have an exorbitant amount of money and there not lending it out.
I also heard on that very same devise that it was hard for bussines to borrow money from those same banks, because government rules make it hard to justify lending money out unless you are the most credit worthy borrower.( I guess that why Donald Trump keeps getting loans).
Now a  birdie told me (I cant recall weather the bird was an Eagle or a Sparrow) that it didn't matter what your credit worthiness's is, you would be able to borrow money from the bank if you had a relationship with it. The relationship being you played golf with an executive, or went to the same school, or even hooked the executive up with your drug dealer.
Now the people on that same contraption tell their viewers that these bank are not making money the old fashion way by lending it out to the masses but are are borrowing from the government at 0% and lending it back to the government at a greater then 0%.
What I can't figure out about  is what the bank I loan money too in the form of a checking account and savings account, does with that money if it's not lending the money it's borrowing from me. Now I know the bank is making money, because I saw the president of the bank on the Telly and he said so.


I remember the old expression if you build a better mouse trap the world will beat a path to your door. I just can't help think at the end of the day it's still a mouse trap.
I can't help but think about that as I keep hearing laurels that Steve Jobs has been getting.