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The Vollgeld/Monnaie Pleine/Sovereign Money initiative should be accepted by the Swiss People.
100% reserve requirements would eliminate the multiplier effects of banks.
A lower reserve requirement allows money to duplicate. Since not everyone tries to retrieve their deposits at the same time banks can lend out money. This money duplicated now since the original owner still has it on the bank but also the company that took the loan can work with the borrowed money.