Uncle Sam is paying banks NOT to lend you money

The Federal Reserve is rewarding banks for not lending money. While bank deposits at the Fed rarely surpassed $25B in the past, there is a whopping $1 TRILLION there now, paying (overpaying!) .25% interest! CHASE has over $200B there and WELLS FARGO $100B. Money they should be LENDING to finance growth that would get us out of the Great Recession. But it's risk-free there. Given bankers' decisions in the past, maybe that's a good plan for them.