Loans can be hard to get money from if the lender needs special skills to collect them. If the lender needs money before the loan is due, they might ask for it back early or charge more interest. This can be risky for borrowers. But if the lender is a bank with not much money saved up, they have to make sure they can give money to people who want to take it out. This helps borrowers because they can still get money even if the bank doesn't have much saved up. Some rules, like making banks save more money or only do certain types of banking, can help make sure banks can give out money when needed.