80% now, 20% months later? Reminds me of Fractional Reserve Banking, where USA federal banks could invest 90% of deposited money, leaving only 10% of your savings "in savings".<p>I just looked it up, and this seems to have dropped from 10% to 0% on March 15,2020, which "eliminated reserve requirements for all depository institutions"
<a href="https://www.federalreserve.gov/monetarypolicy/reservereq.htm" rel="nofollow">https://www.federalreserve.gov/monetarypolicy/reservereq.htm</a><p>Perhaps this explains the problems people have been having with Bank of America and being unable to withdrawal their money/paychecks. The money is no longer at the bank!