My estimate is that 100% of them have been doing it since "modern" banking first appeared in medieval Europe.
But --- Since banks can now do whatever the fuck without even holding any reserves at all, we're finally safe for sure!
Agreed, also banks are doing it legally 😂
Legal and illegal are just opinions coded in written language.
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Out of context but totally agree with your second sentence. It annoys me when I say something similar to my normie friend and he says: but these laws are what make our civilization work
Ahhhh Normies, what would we do without them? 😂
We would have more common sense 😂
