Fractional Reserve Banking | "Up Until Covid Banks Had to Keep On Hand 10% of Your Deposit, Then They Could Lend Out the Other 90%. When Covid Hit, They Got Rid of Those Rules. Then Banks Only Had to Keep 0% of My Deposit."
CBDCs | Transaction Data Can Be Utilized by Service Providers In Credit Underwriting In Terms of How Many Coffees I Drink Per Day, Where Do I Buy Coffee and What Working Hours Do I Keep.