You know more than me so thank for the response. Let me see if I am following correctly. My asset, in this case cash in a bank or credit union, is also *their* asset when it comes to meeting reserve requirements used to create new bank credit via loan origination? Furthermore the US treasury is taking out loans from the notFed noReserve at positive interest so they can distribute the new notes to primary bedfellows at negative interest? In which case these bedfellows can use the bonus from being paid to borrow to mask their shortfalls? I am aware the system is designed to be virtually indecipherable to people like myself. Fortunately I do hold incoming producing land and some lead as well as fiat. The PMs were tragically lost.