Taken as a whole, which group supplies funds and which group uses them?

1. Households supply funds to the financial system through their purchases and savings, even though many of them also borrow. 2. Businesses and governments are overall users of funds, because they borrow more money than they save. 3. Banks sit in the middle as intermediaries rather than as the original source of the funds. 4. A single household, business or government can switch sides depending on the circumstances, so this is the net picture rather than a rule for every case. _Source: OpenStax Introduction to Business (CC BY 4.0), Ch 15 "Understanding Money and Financial Institutions", section 15.3 U.S. Financial Institutions_