This article explains it a bit better: http://www.bloombergview.com/articles/2015-11-09/what-if-swiss-banks-tried-100-percent-reserve-banking- http://www.bloomb

This article explains it a bit better: http://www.bloombergview.com/articles/2015-11-09/what-if-swiss-banks-tried-100-percent-reserve-banking- http://www.bloombergview.com/articles/2015-11-09/what-if-swi... Banks would essentially just facilitate transactions and act as conduits between borrowers and the central bank. I don't think it makes much sense for country like USA that places such a high importance on free markets and liberty.