Ok, I get your point. I'm not nearly as good in math as you, and much less in translating math to English. I was hoping to do what you suggested and write one (3?) articles about this. However, I can't get it working in my head... See this post, feedback highly appreciated. Same for our friend @sigmajin
https://steemit.com/steemit/@r4fken/fractional-reserve-banking-and-steemit-questions-for-experts