The Original Sin of Fracture Reserve Banking

Banks are operating in a constant state of quasi-bankruptcy where they owe a bunch of money that's due immediately called the ban deposits and they don't have enough on hand. So therefore, they're forced by survival to go and buy all of these privileges. It creates enormous risks for us. The only way to get out of this is to separate demand deposits, checking and time deposits, savings,. requiring full cash backing forDemand deposits would look like a CD and it would have normal time structure just like any company.