i can't believe how many people find this difficult to...

i can't believe how many people find this difficult to understand.
the method of fractional banking is not complicated.
if you want to learn something (especially financial), stay the heck away fron wikipedia.
that site is full of things being explained in the most convoluted and obscure way possible.

Do you want to be spoon FED?

as a side note, CB's control the money suppy, in part, through commercial banks by dictating the Reserve Requirement.

the foundational principal of the money system, as it currently stands, has created an exercise is mass delusion and stupidity.