RE: drhobomanxxiii

The FRB is fraud. The bank which does FRB claims that all of your deposits are available for withdrawal. At the same time it is not true because it uses portion of your deposits (nowadays the fiat bank use about 90% of them) for their own investments trying to make profit on it.

The fraud is when somebody claims something, while knowing that it is not true.

The insurance business is like any other business, it has to fulfill its obligations to the clients. If it is not able to fulfil them, due to bad management, bad calculation or else, it goes bankrupt. That is not FRB, it's just a bad business run.

The FRB increases money supply because at the end the central bank prints new money to cover the otherwise insolvent institutions. You can see it anywhere in the world, every fiat currency loses its value in the long run, prices in those currencies go only up.

Just use common sense, you don't need to do crazy mathematical analysis.