Also, you are still clinging to the mistaken notion that the fed needs to make money first, so that commercial banks can multiply it. That is still nonsense. Banks makes loans first, and then buy or borrow reserves from the fed. Not only is this obvious once you understand how the system works, it has also been observed empirically.
I'd love to see that "empirically observed" information. The closest you're going to get to that, though, is in showing when banks deplete their reserves too much that they're "forced" to go to the Fed as a lender of last resort when they're hitting their legal limits. If the issues of moral hazard (FDIC, repeated Fed and congressional action bailing banks out, etc.) were addressed then this wouldn't occur... But to say that the banks create the money themselves is disingenuous.