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And it will eventually because the FED turned off the fractional reserve requirements.

On March 15th, the Fed lowered the fractional reserve requirement to 0%. Yet, since that day banks have been hoarding cash like never before. pic.twitter.com/jpYF4Ypzjq — Mati Greenspan (tweets ≠ financial advice) (@MatiGreenspan) April 13, 2020

So, a bank can lend out what ever it wants. This is why inflation is high all over the world and the currency milkshake theory is playing out.

"Here's a simplified version: All currencies are doomed because they're not actually valuable. The dollar is slightly better because it's the favorite child. When the Fed stops making more dollars — the frothy “milkshake” — demand for existing dollars goes up.Jul 19, 2022" -- Bloomberg



Reserve requirements aren’t relevant anymore because capital requirements have largely taken their place. Capital requirements are not zero.


Furthermore, capital requirements are better than reserve requirements for us, the taxpayer, because we’re not paying interest on those reserves.




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