hirteen families effectively control the central banks of all the hard-currency countries. The Rothschilds, (above,) and 12 other families. These "control banks" and all practice FRACTIONAL RESERVE BANKING, which is perfectly legal in the USA.

Fractional reserve banking means that the bank is only required to hold on hand the small fraction of money (5%) that is needed to cover (daily activity. The rest they can loan out at huge rates.) So only a fraction of deposits is likely to be drawn upon and / or cashed. That is a PYRAMID scheme dependent on good faith. THOSE are illegal.
For more info http://www.masterjules.net/truebankers.htm