My opinion is that you may be limited by your ability to comprehend market forces. I also am tired of this style of attack, and will no longer respond to it. It's a cost of doing business. You may never get this straight. The banking system does not have a 'stock' that they lend out.
Loans create deposits.
Deposit money is pure bank credit, or what is called leveraged money. They only need cas balances in their reserve account because the fed requires them. Otherwise they will sell them at least overnight for any rate of interest the market will pay, providing it is above transactions costs. It is like a perishable inventory. That is why it is an inelastic condition.