Of course, everybody has some non-perishable food around the house, but it's much better to create a dedicated stash: this way, you can count on the supplies always being at hand, and you can stockpile something more nutritious than stale crackers, a suspect bottle of olive oil, and a rusty can of tomato sauce. With a well thought-out stockpile of ready-made food, it's also a lot easier to hit the road.
Of course, no new money was being created in any physical sense: all that banks were doing was engaging in a bit of creative accounting - the sort of which would probably land you in jail if you attempted it in any other comparably vital field of enterprise. If too many depositors were to ask for their money back, or if too many loans were to go bad, the banking system would fold. Fortunes would evaporate in a puff of accounting smoke, and with the disappearance of vast quantities of quasi-fictitious ("broad") money, the wealth of the entire nation would shrink.
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