He is preparing loans immediately. When a customer wants to withdraw when there is any withdrawal at all times, plus a dividend, it is not unusual for his customers, so there is no reason why any of the Meissner effect, Loei.
He was prepared to give away money When his clients want to withdraw Which may be cashed at any time as needed. If dividends were not unusual. His client had no reason to suspect it.
He get the money immediately. When his customers want to withdraw. Which, upon withdrawal as required from time to time. And the dividends is not normal. His clients, so there is any reason to doubt it.