If your point is that the actual money issued by the central bank (M0) does not necessarily result in the monetary supply that could be potentially produced acc

If your point is that the actual money issued by the central bank (M0) does not necessarily result in the monetary supply that could be potentially produced according to the minimal reserve requirements that’s obviously true. Banks are not forced to loan out as much as they could, they have a choice. And because the system is not working at “full capacity” the central bank cannot control the money supply adjusting the minimal reserve requirements. They use other mechanism like short term rates (including through the interest the Fed pays on reserves since 2008). “Loans create deposits” is of course true in the standard description as well. If banks create money (by lending out, if they want, excess reserves) that necesarily means that the total amount of deposits increases. Because the total amount of deposits (plus the relatively less important amount of physical money in circulation) is what we call money!