It is worse than you say about loaning 4 dollars for each dollar on hand., because it is 9. They loan out 9 dollars for each dollar in the bank. They are required to hold 10% of the outstanding debt. It's CraZy! I'll need to find a reference for here.
For now, I recommend Mike Maloney YouTube videos. His videos cover the minimum deposits required. His videos also cover this aspect of the never-ending debt scenario.
Yeah I've seen alot of Maloney's vids. It's all common sense kinda stuff. I'm already sold on gold and silver. And the fact that banks arent doing us any favors although they pretend to serve us