> It seems you have a vested interest in preventing others from learning about the fractional lending scam. This isn’t a huge conspiracy, I’m no where near imp

> It seems you have a vested interest in preventing others from learning about the fractional lending scam. This isn’t a huge conspiracy, I’m no where near important enough to benefit from such a conspiracy even if it did exist. > As for your claim that a 0% reserve ratio means banks CAN lend depositor funds, that is either a huge misunderstanding on your part or an outright lie. Show me any documentation anywhere that supports your novel interpretation, and I’ll back down. I’m not sure how many I can say this. Unless you’re the fed you can’t magic money out of thin air. If the banks aren’t lending depositor funds, then what are they lending? Where does the money come from? You seem to be basing your understanding of fractional banking upon an old blog post, which talked about an interest quirk of how banks worked. But that quirk only exists if, and only if, you ignore the abstraction that supports it. It’s not different to over allocating disk storage using ZFS. I can build a volume that capable proving 10TB quota to 100 people, using only a 1TB drive. When I create those quotas I “make” storage, by writing their available storage into a storage quota journal. But the only works if we ignore the fact that the storage quota journal itself is an abstract, and leaky one at that. If people actually tried to use their 100TB quota, they would quickly discover that writes beyond 1TB just don’t work, because I only have 1TB of actual physical storage. Same applies to banks and their ledgers. The reserve ratio just determine how much cash the banks has to hold in reserve at a reserve bank, that’s all. That cash is customer deposits. If you want to assert that isn’t the fact, then you need to explain where the money is actually coming from, and why a billionaire hasn’t bought a bank, and lent themselves a few billion more dollars out of thin air. Now I had a whole thing written out here with sources from the Federal Reserve etc explaining via tiny little steps what a reserve requirement is, then what a reserve requirement ratio is, and how that all links to net-transaction accounts, which basically account the hold depositor funds etc etc But then I realised I don’t give shit if you remain uneducated and ignorant while wearing a tin foil hat, so whatever. Have good life, goodbye.