You're a shitty banker, but don't blame You, belived it a long time myself.
A takes a lone of 10k and pays it to his account in my bank
i got 9K which i lend to B
he also puts it into my bank.
now i have 19K virtual money. if both A and B want a withdrawal (bank rush), my bank has to take a lone in the FED for the 9K i don't have.
When A and B pay off their lones i have my original 10K and 9K which i have to pay back to the FED which disposes of that extra money, that was in the market.
>>10173119 but the world has more than one dollar, so You pay back 1,10 i put the 1 $ wherever i took it from (other account, my pocket or fed) and the 0,1$ is my profit which gets normally recirculated in the market.