No, i mistake your statement that the banking industry is crooked as an indictment of the banking industry.
You have made no observation of fact. You created a hypothetical scenario where the money supply is multiplied by FR banking that was based on a misunderstanding of how banks lend money to consumers, businesses and oneanother.
And there's no talking you out of it, because you think accounting is a scam.
Its really a shame that posts like this end up on the front page (and will be pinned there for weeks now)...