[Toddsterpatriot]

Rather, they book both the deposit & asset out of thin air when the loan is made,

That works for about 10 seconds, until the borrower cashes the check to buy the home, car etc......

[semantic]

You're too funny. The borrower withdraws **cash** to purchase the house/car? It's a closed system bro. Once deposits/loans are created, the entire money supply is increased and handled via inter-bank accounting entries.

Now I know for certain you're not only clueless, but a clueless disruptor to boot. Throwing out nonsense in order to try & make a point.