Question

There is no costs. The person gets his money safe and gets interest. An example would be to save his money?

Answer 1

A business would want to use a bank so it could receive a loan.  As a business owner you would have to pay for a building, employees, and possibly healthcare if you have enough employees. The benefits of owning a business include profit and more more tax money in your city. They would use a bank to get a business loan.