talking about fractional reserve banking:

Those are some excellent points. And that's a very refreshing perspective. I have heard folks grumble about how the government might simply want to cause inflation to bring down the value of it's debt obligations. I'll have to muse on that one a bit more. My question for you is if you have an alternate proposal. What would an ideal money circulation pattern look like, if you could design it? You seem like you've thought this thing through in detail.