Where is the bank getting money to pay you interest? By making investments. The fact that you're one level removed from the decision-making doesn't make it less of an investment.
Ummmmm Really? The Bank is taking the risk not you. Never heard of insured accounts? Granted, there are no guarantees in life but money in the bank is pretty solid. You may stuff a couple mill under your mattress if it makes you feel better...
I know of no definitions under which investments must be risky. Investments are "a commitment (of time, money, etc) in order to earn a return" (not a direct quote, but a fusion of Merriam-Webster's definitions of invest and investment). Nowhere in there (or any of the other definitions of invest/investment) is risk mentioned.
All investments are guaranteed returns? News to me... All my money into Target stock! All investment implies risk and I wouldn't learn financials (or anything) merely from Merriam-Webster definitions.
