The Federal Reserve Board. Yes, I know what that it.

fractional reserve banking

not federal reserve board

The only way your deposits are going to be zero risk is if you have a bank that doesn't do loaning.

and that is how a bank makes its money.

Fractional Reserve Banking - the idea that banks don't have to just sit on deposits?

And if there was such a bank they would likely charge higher fees

Or provide no intrest whatsoever

No, that's not what fractional reserve banking is.

That is where the government plays a legitimate role

Well, I myself would be fine with dealing with a yearly subscription for a bank if they don't do loans.

I wish loan companies and banks were seperate.

Fractional reserve banking is a banking system in which only a fraction of bank deposits are backed by actual cash on hand and are available for withdrawal.

Providing a safety net of last resort for the price of regulating banks to prevent the need for taxpayers to pay out.

At least thats what Investopedia says

That's what I learned in school, @Blackhawk342

Admittedly, 30 years ago

Yes, which means that money is pyramid on itself.

And why bank runs are 1) possible and 2) so dangerous to those who participate in the system.

You deposit $10. A 10% ratio means they lend out $9 and keep $1.

Meaning there appears to be $19 in the market now but really only $10.

In the 1800's you had lots of competition in banking and note issuance which kept ratios in check.

After the Federal Reserve came about they monopolized that value.

FDR technically announced that the US was bankrupt and broke the law by refusing to redeem notes for money (gold,silver). Which was a way to keep banks in line with regard to their reserves.

Will Article 13 impact Tims videoes?

i personly dont think it does but i might be wrong ... does someone know more about Article 13 for EU that was passed recently

people of the world

do you think there will come a day when Discord will be censored too?

It is only a mater of time

it already is

The purpose of copyright law has always been government control of information.

I didn't sign up for these yellow/black pills

ARticle 11 and 13 will impact Tim as he reads News Sites.
They are mainly designed to save the Mainstream Propaganda Apparatus, and the Idiot Politician want to try the "Google Tax" again, and fail again.

What we really need in Europe is a boycott of Mainstream Media who lobbied for this crap.

I alreadt boycott media. Business as usual

Regarding copyright :-)
https://lifehacker.com/these-1923-copyrighted-works-enter-the-public-domain-in-1825241296

yeah disney is going to shift to defending mickey with trademark instead of copyright, since trademark lives as long as the company

black & white mickey may enter the public domain, but anything resembling him from fantasia onward will be disney's forever without them needing to get copyright extended every few decades

temptation is the lack of self restraint rather than the existance of vice. potentiality is omnipresent, limitation is a set boundry. while one can exist in a state of ignorence to temptation and maintain a status quo, given that potentialitys are an omnipresent, any creature with the ability to imagine the nonexistant can find temptation. personal restraint and priorital discipline is a conscious effert, maintainence can only be maintained, another conscious effert by an entity able to choose its behavior in any given time

We are all driven and motivated by the nature of our being.

We all have the potential to experience the same
possible range of motives, drives, fears, emotions... exedra.

All humans have human limitations by definition.

Our will can not oppose our nature; our will can only change our nature.

Anyone can choose not to try addictive substances, but 95% of addicts are addicts for life.

Can you say that the addict has free will if there is a 95% probability that his brain will compel him to keep seeking a fix?

The addiction is a malformation of the brain's functionality incarnate.

The symptom is the sign of a physical existence of a type of impediment in the brain structure itself.

To fix the brain would cure the addiction, but by doing so you would change the very nature of that being's consciousness.

The notion of "personal restraint" and "discipline" begins to take on a new meaning.

"Conscious Effort" or "Will Power" come from the essence of what we are comprised of.

If you observe the ways that the macrocosm and the microcosm inevitably resemble one another;

no amount of conscious effort will resist your nature if you do not change your nature.