The People demand fractional reserves debt. If you deny this fact, then let's go down that rabbit hole such as using the 1800s as an example where the People demanded debt from the private, decentralized banks. Otherwise I assume you accept this fact.
you've got it backwards. debt has been imposed by bankers. they've tricked everyone into assuming more debt by manipulating interest rates downwards esp since 1980, the last high of 17%. this is accomplished by money printing to buy UST's.
In the 1800s we had decentralized private banks who were incentivized to issue fractional gold reserves to feed demand for loans by the People.
Fractional reserves exist as a natural feature of the economy where demand for loans and supply of fractional reserves meet (Economics 101).
Even if you argued that killing all the banksters in that era would solve the problem, another set of banks would popup to serve the demand for debt by the People.
I probably won't attempt to unravel your other numerous misconceptions of the issues.