[littlestymaar]

> all the money you have on deposit is invested back into the economy by the bank, less the reserve requirement.

Please read how the money system works before talking on the topic, you really are embarrassing yourself here Mr Bright.

Banks aren't lending their customers' deposits (because you can't lend your liabilities…) and reserve requirements are in federal funds, which is a specific type of currency, it's not the same dollar as the one their customers have in deposits (which again, are on the liabilities side of banks balance sheet).