Answer: Banks would be able to loan more money.
Explanation:
The Fed does indeed do this and it is called the Reserve Requirement. It is a percentage of deposits that banks are to keep with the Fed and it has the effect of reducing the amount of money that banks have available to loan out to entities.
The Fed sets the percentage that the banks are to keep with it and this enables them to use it as a tool to control money supply because they could increase or decrease it depending on how much they want banks to lend out.
If the bold sentence is in fact As he tells the story he never smiles, and he never frowns",then it is most likely the human foible due to it being an interesting characteristic. We can also determine this answer through process of elimination if we know the meaning of hyperbole, and "funny name".
Hyperbole is an exaggeration and is not normally meant to be serious, and in the case of your summary, I believe this line is meant to be taken serious. This doesn't seem to be a funny name reference, so your only option is human foible.
Answer:
I mean, depends on who's milk she's using if you know what I'm saying
Depending on the housing type the community varies greatly. If it was town houses people are forced to be closer due to the closeness of their homes. They have to make compromises and so on. If they were separate houses people can be more alone and separated