This is a total misconception. Anyone's $100B in a bank account has no bearing on money supply. In the short term, yes, money is taken out of circulation. But i

This is a total misconception. Anyone's $100B in a bank account has no bearing on money supply. In the short term, yes, money is taken out of circulation. But if that causes increased demand for liquidity, and banks are willing to meet that demand at the interest rate set by the central bank, money will be created by the loan that is initiated. What dries up money circulation is not any one company's hoarding, but the banks' willingness to lend as a whole, and the economy's desire to borrow and spend as a whole. Recommended reading: https://www.bankofengland.co.uk/-/media/boe/files/quarterly-bulletin/2014/money-creation-in-the-modern-economy.pdf?la=en&hash=9A8788FD44A62D8BB927123544205CE476E01654 https://www.bankofengland.co.uk/-/media/boe/files/quarterly-...