US only requires 10% cash reserves. All good when there's trust...

US only requires 10% cash reserves. All good when there's trust in the USD and the banks.

Wikipedia
"The process of fractional-reserve banking expands the money supply of the economy but also increases the risk that a bank cannot meet its depositor withdrawals. Modern central banking allows banks to practice fractional-reserve banking with inter-bank business transactions with a reduced risk of bankruptcy."
https://en.m.wikipedia.org/wiki/Fractional-reserve_banking#Economic_function

https://www.investopedia.com/articles/investing/022416/why-banks-dont-need-your-money-make-loans.asp

https://www.goldonomic.com/education-hall/category/frac-res-banking

Here's a head start for your study on fractional reserve banking