We are not meeting the low safety standard of Fractional Reserve Banking we have instead "Exponentially Negative Reserve Banking. (c)." To understand this lets define some of the elements. Exponential = by orders of magnitude, Negative = in a deficit, a shortfall. Fractional Reserve Banking = (investopedia) A banking system in which only a fraction of bank deposits are backed by actual cash-on-hand and are available for withdrawal. This is done to expand the economy by freeing up capital that can be loaned out to other parties. Most countries operate under this type of system; Multiplier (investopedia) = The expansion of a country's money supply that results from banks being able to lend. The size of the multiplier effect depends on the percentage of deposits that banks are required to hold as reserves. In other words, it is money used to create more money and is calculated by dividing total bank deposits by the reserve requirement.
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