It doesn' t take other factors into account enough, like forgetfulness.
它没有充分考虑到其他因素，比如健忘。
2
The basic working tool is the "T"account, which provides a simple means of tracing, step by step, the effects ofthese transactions on both the asset and liability sides of bank balancesheets.
The answer is it's confined in temporary cash pools, whether in the Supplementary Financing Account or excess reserve deposits or in time-sensitive T-bills.