Fractional reserve and leverage

One of my complaints, people have different definitions.

I think a fractional reserve of  deposits against loans can b 95%, a reasonable risk.  The real fractional reserve of the dollar is not likely more than 90%, kind of unstable, and this reserve ratio can move. This is not even fair traded matching error, which is about a half point.

Leverage as a ratio does not account for insurance payments and risk transfers. Much of government regulation implies a taxpayer reserve for bailouts and governments price fix all the time. Then there are mandated liquidity pools.

I might have the definitions wrong, but clearly the two meanings are getting mixed up. The Swamp is bankrupt, but not by that much, not much worse than 73.