The study looked at how having enough money available affects how risky banks are. They used data from US banks between 2002 and 2018. They found that when banks have more money, they tend to take more risks. Banks with lots of deposits are less likely to run out of money, and managers take bigger risks when they think they won't get caught. Having more money makes banks take on more risky assets and create more money. When banks have enough money and are well-prepared, they take more risks, especially during the 2007 financial crisis. This study suggests that regulators should set rules for how much money banks need and how risky they can be.