"Saving in a bank expands the bank's ability to lend." Lending in modern banks is fractional reserve, they only have a fraction of what they send out in loans,

"Saving in a bank expands the bank's ability to lend." Lending in modern banks is fractional reserve, they only have a fraction of what they send out in loans, there is literally no law or anything preventing them from typing on a computer and making way more loans than they have money.