I think before commenting further you need to take a deep dive into actual banking operations, because you really are wide of the mark. I posted a few links in

I think before commenting further you need to take a deep dive into actual banking operations, because you really are wide of the mark. I posted a few links in the other post local to this one that might help. I also suggest reading the Basel III accords (or at least a summary) to understand the role of liquidity in banking. There's not much point me discussing this further with your since you're so wrong. Take care and good luck with your enquiries.