Comment: I will leave aside the bit

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I will leave aside the bit

I will leave aside the bit about the auditing. What you are referring to is fractional reserve banking, that regulatory reserve requirements (which are practically non-existent) and reserves is what impacts lending. It doesn't.

Plan for eliminating the national debt in 10-20 years:

Overview: http://rolexian.wordpress.com/2010/09/12/my-plan-for-reducin...

Specific cuts; defense spending: http://rolexian.wordpress.com/2011/01/03/more-detailed-look-a