I suspect you're getting downvotes not out of disbelief but because most educated people in the developed world are already well familiar with the concept of fr

I suspect you're getting downvotes not out of disbelief but because most educated people in the developed world are already well familiar with the concept of fractional reserve banking. (For myself, it was covered in my 12th grade AP economics class) Your rather long comment doesn't contain any new information for the majority of readers.