>>509335722you are missing like half of the basic fundimentals
how a loan works from a bank is
>bank >lends person money>person uses money to facilitate growth/absorbs the cost>bank sells the loan (kek they litterly sell the loan they gave you)>uses money to invest >or bank lends against your loan (again KEK) to investthis again is super simplified but the entire bankrun idea is purely describeing the holding capital a bank is required to keep
this is incase of collapse lmao and has nothing to do with the customer but the financial system
if the bank holds 3% of assets value on portfolio and the bank becomes insolvent (a bank run could do this) then the liabilities within the financial instituations network could cause a chain reaction due to crossover liabilities (debt portfolioes ect)
the banks liquid assets are basically a fire break wall for other banks and have nothing to do with customers
if withdrawral causes inability to operate the bank will use that capital to pay out other financial institutions not the average person to this end they are allowed to use stored wealth of the average person to stop system failure
if you have 200k in your bank and a "bank run" is forecasting insovency they will cease your 200k (thats right take your money) and quickly pass it to institutional debters to stop system collapse and then the bank will collapse