No it won't. Reserve ratios are commonly modified, sometimes by a decent amount. Banks have been able to move money among accounts to effectively reduce reserve requirements nearly at will. And banks have always been able to lend past the reserve requirement, as long as they soon (after the fact) borrow to cover it, usually short term via the Fed overnight lending rate.
The average person has zero idea that this happens, but it's not going to somehow be impossible (or even hard) to undo it.
This is a major major change though. How do we know this isn't some kind of Klein-esque "Shock Doctrine" type of change to start undoing banking regulation as a whole?
Because we have models that have been tested, and we have evidence from hundred of countries for around 100 years.
Your question seems to imply that around every corner there are likely dragons. There are not. Mankind has extensive experience with central banking at this point, including this case and beyond.
There have effectively been zero reserve requirements for a long time. Go read on the difference between endogenous and exogenous money creation, and the resulting literature. Your understanding is far outdated, as the world has moved effectively to endogenous money over the past 40 years, as can be seen in the literature on the topic.
The average person has zero idea that this happens, but it's not going to somehow be impossible (or even hard) to undo it.