What about the person who earned $100k and loaned $10k, leaving them with $90k? "Fractional reserve" doesn't help here because if I'm spending the borrowed mon

What about the person who earned $100k and loaned $10k, leaving them with $90k? "Fractional reserve" doesn't help here because if I'm spending the borrowed money, it isn't being kept in the bank by either the lender or the borrower.