Commercial bank loans are in essence bluff until they are called. Create numbers on peoples account, charge fees and interest. As long as not more money than yo

Commercial bank loans are in essence bluff until they are called. Create numbers on peoples account, charge fees and interest. As long as not more money than you have leaves it is fine... Why would promoting bank runs be illegal, if it wasn't a scam. Surely they should fully held every single currency unit and be callable in seconds.