A Bank Can Usually Offer a Saver a Higher Return

A bank can usually offer a saver a higher return for the same risk for all of the following reasons except:

A) the bank can usually purchase assets at a lower cost than any one saver.
B) the bank can pool the resources of small savers and purchase higher valued assets.
C) economies of scale can also be applied by the bank in its purchase of assets.
D) savers do not have good enough information to know if the return is sufficient.