People can't pay --they can't pay a high interest if they don't have it as a long-term loan.

如果银行不发放长期贷款,他们就不能够支付高额利息

耶鲁公开课 - 金融市场课程节选

It used to be that the government didn't let banks pay more than a certain amount on their deposits and that helped protect banks because then they didn't have to compete to pay high interest rates -then be incentivized to make risky loans to try to make money with those high interest rates.

在这之前,政府不允许银行对存款,支付超过一定数量的利息,那样做是为了保护银行,因此他们不必争相,去支付高额利率...,因为在高利率支付下银行会倾向于,发放高危贷款以获取利润

耶鲁公开课 - 金融市场课程节选