Weltzeitgeist on Nostr: Sure, but from the perspective of the bank, the borrower can transfer the whole ...

Sure, but from the perspective of the bank, the borrower can transfer the whole credit sum to another bank and the Bank can only transfer the central bank money to the other bank. For its own risk calculation it's important how much central bank digital cash the bank has. So on the flip side: More savings, more cash for the banks, more room in the balance sheets to create new loans ...