That's one step away from fractional reserve Bitcoin: someone deposits 0.951 Bitcoin, someone else borrows 10.95 Bitcoin and deposits it again, after which someone else borrows 0.9 Bitcoin and this keeps repeating until the bank owns everything because of interest.

That's one step away from fractional reserve Bitcoin: someone deposits 0.95 Bitcoin, someone else borrows 1 Bitcoin and deposits it again, after which someone else borrows 0.9 Bitcoin and this keeps repeating until the bank owns everything because of interest.