DDTempest,
It seems like you are confused and do not belong in this discussion with UB. You love to say "fractional-reserve lending" like a dumb little boy who just watched his first You Tube conspiracy theory video. We agree with some of the garbage you say, but your understanding of the topic isn't as robust as UB's. So he's really outclassing you here, but you don't see it because your knowledge of the topic is so slim. It's almost a Catch-22.
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