Change the Bank's Savings Rate Fed (This solves Repo rates)

https://www.marketwatch.com/story/the-repo-market-is-broken-and-fed-injections-are-not-a-lasting-solution-market-pros-warn-2019-12-04

If it is cash for interest rates from the Federal Reserve that is causing the issue for banks to be too cautious, then lower the rate down to but not surpassing 0% or bank cost of operations by percentage of funds (as statistical average.) (In other words, the Federal Reserve does not go below zero percent for holding bank cash.)