10% Reserve requirements were eliminated in March 2020. It is now 0%.

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

The plandemic is when they took the mask off and let you know that the "money" is all hot air they create ex-nihilo. The interest they charge you is for the privilege of using their money. When they lend you this hot air for a house, the house becomes their asset because it is generating revenue for them and your liability because the insurance and maintenance cost is on you. People who tell you your house is an asset are another breed of scammers.