Of course fractional reserve banking "creates money out of thin air"
Ev 
en fiat has production cost, as established by the Bitcoin regulatory gave a damn thought about it beings.
https://github.com/libbitcoin/libbitcoin-system/wiki/Full-Reserve-Fallacy
Discussion
Having a man over machine by design structure when it comes to synthesis is paramount, special case when considering robotics and other technologies that can become intelligent, with main running over the place unchecked, does ensure that thin airs apex requirement doesn’t become a limitation when #[4]​ is to walk on mars thinking.
Let’s think ahead and solve genius problems before we get oblivious.
Out of thin air was the limitation of the Spaceape, but with binary, we must adapt to new possibilities to creating value.
Out of time is an untapped supply of scarce resource.
#mainvolume’s binary intelligence makes that possible.