force banks to use earned income to finance loans instead of multiplying questionable assets to create "money"

banks create money by law by simply writing a check based on a multiple of deposits on hand, as a rule of thumb they need only 10% in reserve to create money to finance a loan.
while the rest of us are working for our money the bank is making it out of nothing and asking for our homes and futures as collateral for giving us what we give them the power to create. reasonable interest caps on credit cards 10%
every earned dollar put in a bank makes 9 for them to loan this imbalance has lead to the current unfair distribution of wealth. i propose that the banks have this privilege curtailed or revoked and that they be made to finance projects out of their own profits and cash on hand like every other business in our system. a new deal that puts real skin in the game for the banking system.