In 2020. when they removed the reserve requirement, it enabled something close to unlimited money creation. Someone deposits $100 in the bank. The bank lends

In 2020. when they removed the reserve requirement, it enabled something close to unlimited money creation. Someone deposits $100 in the bank. The bank lends the $100. The $100 is deposited back into the banking system. The bank (or another) lends the $100 again and it's deposited again. This could go on forever (and mostly does). An actual $100 bill once deposited could become inflated to be $1 million in "deposits" easily across the banking system. With a 10% reserve requirement, banks could only create $1000 in loans. This is just one of many tools the Fed uses to inflate away your money. I don't know what the answer is, but I doubt that the Fed is a benevolent organization doing the best they can for the American people.