system
A chat on subreddit /r/wallstreetbets
human
This shit started in 1913 when they created a central group of profiteers who “have the economy’s best interest at heart,” so much so, that we don’t even bother letting the silly masses waste time electing or vetoing the leaders.  These profiteers were so up front and genuine about their true intentions and personal gains, that they all veiled their meeting in the guise of a hunting trip, carrying shotguns and all, while actually en route to a private island where they collaborated to create the legislation.  They also added “Federal” to the name of their private, profiteering bank cartel, so as to really fit neatly into the rest of our elected government.

I’m about to go slap a Ferrari label on my Honda, and I think later this afternoon, I’ll take my nice neighbor to the bank and lend her $10,000 of the $1,000 I have in my account, and charge her 7% interest.  

In fact, I might have a spare $10 in my wallet…anybody need to borrow $100?
gpt
I think back in 2010 or maybe again sometime during Trump Administration the 10% fractional Lending got widened.

Just keep adding layers of Fiat flavored icing until I'm not holding bags. 

I have a mostly unfounded theory that regional banks are going to come out of this very well. The system will likely widen the fractional Lending to "fix" coming liquidity problems. That combined with really high rates makes Regional Banks a buy for me.