[ThrowMeDown01]

Since you link to Wikipedia, you missed one that given the title seems more obvious - but which counters your opinion:

https://en.wikipedia.org/wiki/Money_creation#Credit_theory_o...

> The fractional reserve theory where the money supply is limited by the money multiplier has come under increased criticism since the financial crisis of 2007–2008. It has been observed that the bank reserves are not a limiting factor because the central banks supply more reserves than necessary[19] and because banks have been able to build up additional reserves when they were needed.[20] Many economists and bankers now realize that the amount of money in circulation is limited only by the demand for loans, not by reserve requirements.

> ...

> Banks first lend and then cover their reserve ratios: The decision whether or not to lend is generally independent of their reserves with the central bank or their deposits from customers; banks are not lending out deposits or reserves, anyway. Banks lend on the basis of lending criteria, such as the status of the customer's business, the loan's prospects, and/or the overall economic situation.