Answer:
When people put their money in the bank to save it other people can borrow that money. As they pay it back you won't loose money and the bank will earn in interest. So as long as people are putting their money into the bank others will be able to borrow when tight on money. This is similar to herd immunity because as long as a greater number are doing it the minority that can't will be protected.
Answer:
because you shouldn't hate others for being different, and don't be racist :)
