Down here at the pawn shop

[Lamplighter]

Here is a test. Suppose you had $100 in a saving account
that paid an interest rate of 2% a year. If you leave the money in the account,
how much would you have accumulated after five years: more than $102, exactly $102, or less than $102? ...
But a survey found that only [slightly more than] half of American
aged over 50 gave the correct answer. ... it is hardly surprising that
they struggle to deal with the small print of mortgage and insurance contracts.

<snip>

TW, that's not a fair question... you didn't specify which bank held the account.

If half the people had their account with Bank of America (or it's ilk),
there would be less, not more, and certainly not the same amount left,
after all the monthly service fees and cashier charges were deducted.
.