[sageikosa]

> as they won't be able to pay out when customers withdraw / transfer out the cash

Banks can't do that right now anyway. Banks only hold onto cash to meet reserve requirements, which is a fraction of the deposits held for depositors. If everyone tried in a bank to withdraw cash, you'd have a run.

[joosters]

Yes, and the more money you 'create' by altering the database, the more likely they'd be unable to pay out.