That's why Monero as digital cash is superior to Bitcoin as digital gold.

#Monero already reached full fractional reserve (1:10) on most centralized "exchanges" with maybe the exception of Kraken.

That's good and bad news at the same time as the effect of going "fully fractional reserve" without repercussions (e.g. bankruns/insolvency) will have a limited impact on price. Also if more people take self-custody and use Monero as digital cash it will drive price and insolvencies of those "exchanges".