since you're so outspoken about it, you may be interested in learning that fractional reserves is not how banking works (someone with an Austrian econ bent migh

since you're so outspoken about it, you may be interested in learning that fractional reserves is not how banking works (someone with an Austrian econ bent might be tempted to say it's actually worse than that): https://www.imf.org/en/Publications/WP/Issues/2019/12/20/Money-Creation-in-Fiat-and-Digital-Currency-Systems-48843 https://www.imf.org/en/Publications/WP/Issues/2019/12/20/Mon...