This question doesn't make much sense to me. "If people didn't fuck around, how should a tool operate" A bank is a glorified safe. It's originally a third party you pay to safeguard your precious things, at a location it usually owns. Precious metals, jewels, bitcoins, seashells... Any item usually acting as a store of value they accept to safeguard for you essentially, that's what is a bank. If banks were required to have in reserve 100% of what they lend, fractional reserve banking wouldn't be possible. https://vid8.poal.co/user/0k_/yhWFZle