we're lucky if a bank even holds 20% in reserves

https://www.federalreserve.gov/monetarypolicy/reservereq.htm

The commercial banks truly print money from nothing.

For hbd as debt, wouldn't every stakeholder be on the hook when inflation dilutes their holdings?
Irrespective of what the price does, if a large number of hive are created from previously burned hive then each hive I hold becomes a smaller percentage of the whole?