Sidney and Joseph Preach in the temple about the importance of a charter for the Kirtland Saftey Society. About this time Brigham Young marks some notes from the bank and is surprised to find them circulating, leading him to believe that something was fishy at the bank. He either didn't understand fractional reserve banking OR was a hard-money democrat of Andrew Jackson's persuasion, and expected the KSS to be run on such principles
[Exploring Mormonism: Kirtland Safety Society Timeline, http://www.exploringmormonism.com/kirltand-safety-society-timeline-note-this-was-built-back-in-january-2013/]
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