"[..] now owns currency that was introduced from outside the system, which will now be spent or invested in the country." With the current (in most countries)

"[..] now owns currency that was introduced from outside the system, which will now be spent or invested in the country." With the current (in most countries) banking system, the money available for investing is not limited by the quantity of money in the system, but by the availability of projects with a good return. A commercial bank can create money if they think that they will have a good return (risk wise). Banks don't lean reserves. An investor can borrow money from a bank if it has a good project. Interest rates are decided by the Central Bank depending of the goals for the country economy. So, the idea of "money available for investing" doesn't make sense in the current fiat economies.