can u tell us the cost of borrowing from fed? and

compare that against CD rate, see if banks make more money or not by borrowing from u or fed.

On the other hand, it is very natural, people and institute are all buying T-bills, it is just another way of money cycling.

Finally, when u do some copying from other sources, can u kindly let us know where u get them from, so we may be able to do some research.