With a ten percent reserve requirement you couldn't stand half a days run to begin with.
You may find the true history of the Fed's creation less than comforting, but only if you've got the intellectual honesty to give it a shot. And it's a video.
http://mises.org:88/Rothbard-Fed
Um, a bank doesn't have to rely on its own reserves. It's communal. And assuming not everyone is stuffing cash under mattresses (but putting it in their own banks), the system has upwards of 95% reserves.
That's why it's called a federal reserve "system."