Additionally, this $90 deposit can then be treated as 'real' money and loaned out according to the same 10% reserve - $81. In the manner of a babushka doll, this can be deposited and loaned out ($72.90, $65.61, $59.05... etc.) until the amount becomes vanishingly small.
Relevant section from 'Money as Debt': https://youtu.be/jqvKjsIxT_8?t=12m57s