> as they won't be able to pay out when customers withdraw / transfer out the cash Banks can't do that right now anyway. Banks only hold onto cash to meet res

> as they won't be able to pay out when customers withdraw / transfer out the cash Banks can't do that right now anyway. Banks only hold onto cash to meet reserve requirements, which is a fraction of the deposits held for depositors. If everyone tried in a bank to withdraw cash, you'd have a run.