How might this understanding of interest rates have affected how U.S. consumers behaved with their money?

FINC 2

Answer the following questions. In your initial response to the topic you have to answer all questions:

If all transactions were made on paper, how could a bank store all of its paper records? When might they decide to destroy these records
There were social consequences of mass banking, including introducing the public to interest rates on deposits and loans.

How might this understanding of interest rates have affected how U.S. consumers behaved with their money?