The modern banking system does not use fractional reserve lending. Highly recommend this video to understand and this channel in general: https://youtu.be/K3lP

The modern banking system does not use fractional reserve lending. Highly recommend this video to understand and this channel in general: https://youtu.be/K3lP3BhvnSo https://youtu.be/K3lP3BhvnSo Skip to 1:14.