How can outfits like "American Express" (whatever the f*ck that is) offer "1.5% APY Savings Accounts", when niggas like me can borrow from Interactive Brokers for 0.75%/annum? Yes, I have to pledge collateral to IB -- but just how does IB get its funding anyways? Because certainly IB is out there competing for deposits to fund the margin accounts as well. Someone plz explain. Can IB take customers' securities to the Fed's discount window and get cheap loans against them??