I do not understand your point about real money. Fiat currency inherently places its trust in the government. When the government fails, the currency fails. The

I do not understand your point about real money. Fiat currency inherently places its trust in the government. When the government fails, the currency fails. The rest of your question mainly concerns fractional reserve banking https://en.m.wikipedia.org/wiki/Fractional-reserve_banking https://en.m.wikipedia.org/wiki/Fractional-reserve_banking