If you want to inflate assets, you need to be a state-approved bank, then you can do the exact same thing unpunished ( https://en.wikipedia.org/wiki/Fractional-

If you want to inflate assets, you need to be a state-approved bank, then you can do the exact same thing unpunished ( https://en.wikipedia.org/wiki/Fractional-reserve_banking https://en.wikipedia.org/wiki/Fractional-reserve_banking ). That's an important lesson to learn.