Lord Wilmore on Nostr: Right. I'd be in favor of a 100% reserve requirement. I might be okay with allowing ...

Right. I'd be in favor of a 100% reserve requirement. I might be okay with allowing banks to engage in fractional reserve lending as long as there were strict laws (maybe constitutional prohibitions) against bailouts. Let banks stand or fail on the basis of their own policies, and let consumers take on the level of risk they think is appropriate.