Eric Voskuil's writing on money & credit is quite good
https://github.com/libbitcoin/libbitcoin-system/wiki/Money-Taxonomy
https://github.com/libbitcoin/libbitcoin-system/wiki/Pure-Bank
https://github.com/libbitcoin/libbitcoin-system/wiki/Savings-Relation
** Full Reserve Fallacy **
https://github.com/libbitcoin/libbitcoin-system/wiki/Full-Reserve-Fallacy