Re:more refills.

[michael gilson de lemos]

Is it more appropriate to say free refill, or doling out in small quantities
that not all may use--and one depends on people not using all they are
entitled to?

If the latter, can the multiplier effect in some sense be viewed as what
happens when  people do not use all they are entitled to, allowing banks to
loan deposits?

Best Regards,
MG