Quote:
Originally Posted by aka123
The extra 90 came from lending it. You owe 100 for the depositor and the loan taker ows to you 90.
You can't put all in reserve and at the same time put it into action, it's against the whole definition or reservers. I have done military service, so I explain this military wise: you have 100 soldiers, if you put them all into action at the same time, you have zero reserves. If you keep 30 of them out of the fight, you have 30 % reserve. Same with money, but in banking lending or investing is the "action".
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You are wishfully thinking banks have enough scruples to do things one way and not another. Why would they do it your way and not mine? Because they are good and honest people? Don't you think governments are salivating over the time when they can have a soldier sitting back in a room doing the work of 10 others? Oh wait, there's drones.