No problem, I expect most people don't know this. Don't worry though - even some economics textbooks contain those kind of loanable-funds / money multiplier mod

No problem, I expect most people don't know this. Don't worry though - even some economics textbooks contain those kind of loanable-funds / money multiplier models that don't really describe the real-world workings of banks! I guess it's a holdover from classical economic theory - banks did work more like that a century ago when that kind of economics was being worked out (pre-WWI gold-standard days) but the modern economy is different!