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<p>[QUOTE=&quot;fatima, post: 1311596, member: 22143&quot;]If you deposit money in a bank I&#039;m not sure why you would expect the bank to hold that money in reserve at the bank.&nbsp; They have to loan it out to make money in order to stay in business.&nbsp; Banking has always worked this way.&nbsp; It worked this way when people were depositing gold and silver coins, it works that way now with USD created by the Federal Reserve.&nbsp; &nbsp; In fact they will loan it out several times.&nbsp; i.e. Fractional Reserve Banking.&nbsp; It is only a problem if everyone withdraws their money from the bank at the same time.&nbsp; (or the debtors stop making payments like we have now in the housing crisis)[/QUOTE]</p><p><br /></p>

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