I understand that the conventional use of money multiplication is the manner in which I described it in the OP. However, I would think that the common person would agree that any amount of money that is more than the amount initially borrowed from a central bank that is in circulation would necessarily be money that had been multiplied.

I could care two hoots if MM happens through deposits being lent out in the scheme initially described or if loans are made with rational business / banking decisions and then banks borrow from the central bank (or do overnite lending from others) to meet RR. To me, MM happened, regardless.