1. Under a system of "pure" loan banking described in chapter VI, what difference is there, if any, between those who win when a loan bank succeeds vs those who lose when a loan bank fails?

2. Why, under a system of "pure" deposit banking, would consumer deposit accounts not show up on either side of a bank's balance sheet?

3. How does the existence of multiple banks inherently provide a restraint on credit expansion under a "free banking" system?