Seriously I don't believe this shits but regardless of the fact that I didn't learn banking practice and all of that I still got some few knowledge of what I think is true, because with this your opinion you'll definitely sway alot of people to understand that this is how it's works or operate, meanwhile we are not money in the bank and our signatures and date of birth have nothing to do with making money out of it. I think money is being created from our deposits and holdings and when the supply of money is limited they print in more money to balance up with the demands and supply that's how it works.