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100-percent reserve accounting amount analysis Assets Liabilities Cash availability balance sheet bancarios bank deposits Bank of Amsterdam bank’s bankers banking system banknotes boom borrower Cantillon capital Cash Demand deposits cash reserves central bank chapter credit expansion crises crisis cycle Debit Credit Demand deposits deposit contract depositary depositors derecho economic agents edition effects entrepreneurs entries ex nihilo F.A. Hayek fact fiduciary media fractional reserve fractional-reserve banking funds fungible Governing the Monetary Hayek income increase interest rate investment irregular deposit lender loan contract loan or mutuum Ludwig von Mises Luis de Molina Madrid Martín de Azpilcueta Medici Bank ment Mises monetary irregular Monetary Irregular-Deposit Contract monetary units money supply mutuum contract nomic obligation ownership payments percent productive structure profit received reserve ratio result Richard Cantillon Roman safekeeping School of Salamanca social Spanish tantundem theory tion traditional legal principles transfer violation voluntary saving withdraw