General Stock Ideas

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Wait a minute. People deposit their paychecks and other monies into banks. The banks then lend that money out. Obviously, the banks are not going to have all the depositors' money in reserve because they've lent it out. What's wrong with that? If there's a run on the banks, then yes, there would be trouble, but that's only a lack of confidence in the system. The banks are not lending fictitious money.

Write a paper, article, or book and explain the whole thing.