This is wonderful,  a word salad, "In the real world multiplier effect is defined as the effect of a relatively minor factor in precipitating a great change and/or inducing a disproportionate increase or decrease in another factor." And here I thought a multiplier, multiplied something. You know, like a $1 billion deficit financed investment has a 1.5 multiplier, so it results in $1 billion x 1.5=$1,5 billion in personal income. But you are imagining something beyond "macro 101". I look forward to your imaginings, like some arithmetic. I am especially interested in how you handle "and/or" in an equation. Is that like 1+-X=?. Maybe you should check out bank runs too. It's sort of why some of those Bulge Bracket Banks aren't around. BBB is such a charming term, not money center banks but BBBs. Indicating you've read a book, 1 book. Since I can judge your reading comprehension from your response to my comments. I doubt you understood much about that book either.