No but it’s really bad tho every time a bank banks a loan the fed reserve creates $ out of thin air the bank is required to have a percentage of that money as deposits based on the strength of the loan this is what caused the banking crisis in 2007-8 the banks deemed most home loans AAA so the had to have like %7 in deposits of the loans the bank carried well once the loans started to fail there rating dropped then the banks had to have like %15 of the loans they had made at %7 that’s why the banks failed removing the deposit requirements on making loans is horrible they don’t have to have any $ on hand to make loans