Our banking system is founded on a lie.
I suggest a valid alternative is the truth. If someone gives you their money and it's your job to store it safely you should to that. For 100% of that money. Not 10% of it.
As for the 100% retention idea it is like complaining that a car isn't a faster horse. There may be some fringe cases when the horse is better but most of the time the primary use was going fast across paved roads.
To be a good steward involves investment - just any asset sitting stored is a waste of value and will not even preserve it against inflation. It is the red queen's race.
My money is not the bank's asset. Neither is the stuff I put in a storage unit at public storage.
Imagine if they were loaning out your stuff while you were away.
If I choose to invest my money that's my right. It's not your right to choose how I invest my money.
Going faster isn't a reason why it should be OK to steal people's money when you're saying you're keeping it safe.
Lies like this brought down the entire world economy. Wars were started. Lives were lost. But you suggest it's better except when it's not?
I don't agree.