I have to actually have cash in order to lend it to someone, right? A bank can lend out more cash than it actually has (since this cash is the depositors', and

I have to actually have cash in order to lend it to someone, right? A bank can lend out more cash than it actually has (since this cash is the depositors', and they could not return all depositors cash if they asked for it all at once, having lent 90% of it out) How could an individual operate similarly?