I'm not an economist by any means, but if there's a run on banks, aren't we screwed anyway? In other words, doesn't the reserve rule really just apply to a worst case scenario in the sense that the worst case scenario gets even worse with the lack of a reserve supply requirement?

Also, don't most physical bank locations actually have much less cash on hand than they would need during a true run on banks?

These are questions, not arguments, because, as I said, I'm not an economist and I don't consider myself an expert in finances or bank operations.

It's awesome to see an article like this on Politically Speaking -- I hope to see a lot more from you in the future. Very informative. Thanks.