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1. Banks create money ex nihilo, they are not running a fractional reserve, nor are they lending deposits. 2. This is a feature not a bug. 3. Depending on who banks lend money to and for what purposes, you can either get economic growth and prosperity -- without inflation -- or have the exploitative system we have today. 4. Learn from Richard Werner how and why we are getting scammed (explenation starts at around 45 min) nostr:nevent1qqs9xgq3gp3amnwjjeua9q7km6heg4l6vmtcq6g5dzkh3gjgd0x0qhqpz9mhxue69uhkummnw3ezumrpdejz7q3q6ykyd9en9s08qs7p0k7g8ywhqcctrx8jaw8hxs6e06968zkzzxpqxpqqqqqqz7leg7t