To begin with, the world of banking is a complex and fascinating field that has long attracted the interest of individuals. At its core, a treasury's primary function is to serve two distinct groups of customers: those who want to save payments and those who want to borrow it. However, a person can belong to both categories. This essay will argue that the interdependence of savers and defaulters is the foundation of the banking system, with each playing a vital role in the financial journey of the other.