True, in that sense you're essentially forcing the bank to make a loan they didn't intend to make (which does indeed expand the broad money supply). If the ban

True, in that sense you're essentially forcing the bank to make a loan they didn't intend to make (which does indeed expand the broad money supply). If the bank had sufficient excess reserves, other banks would honor the new money. And today most banks do have big excess reserves (which is historically unusual).