I don't.
With a full reserve, demand deposits shouldn't be lent, but term deposits can be.
With this, you maintain a full reserve and continue to have lenders/borrowers.
With a full reserve, demand deposits shouldn't be lent, but term deposits can be.
With this, you maintain a full reserve and continue to have lenders/borrowers.
You can have "full reserve" of demand (including matured term) deposits as a goal and lend out term deposits, but you get at best a statistical probability approaching -- but never equaling -- unity of maintaining full reserve based on past repayment and new deposit patterns.