Ok, this article has several claims that I find questionable but don’t know enough to pipe in on but

Money in a bank account does not sit idle waiting for the client. Most of it is lent out in the form of mortgages and other loans, with only a small fraction held in reserve.

This is blatantly untrue.
When banks give out loans, not a single cent is taken out of anyone’s bank account.

The money comes from the central bank. When a loan is granted the person receiving the loan gets money in their account that didn’t exist before and an obligation to pay back the bank.
The bank in turn has a receivable on one side of their balance sheet and an obligation to pay back the central bank on the other side.

This is how money creation works.