Doesnt matter if you agree. They are coming. It will be a process. No fractional reserves..
Well fractional reserve banking within bitcoin is impossible thanks to the limited amount of supply, in theory... because I remember accusations to certain exchanges that where supposedly running fractional reserve type of activities. I don't know how is this possible, but actually they where doing it. I think it's as simple as using the bitcoins that are deposited there to do investments in your back... that is why I can't never trust anything that isn't myself holding the private keys.
it is only possible if you do not hold your own keys so to speak. imagine this. you give me 5 bitcoins and i write down on my paper, that you have a found of 5 bitcoins. i have two other customer which also deposited 5 bitcoins each. i can now do with the 5 bitcoins what i want as long as you do not want them back. also i do not need them i you want to transfer your bitcoin to one of my other customers. but i i take the 15 bitcoin and invest them and lose them, then we have a problem since i would have no chance of paying you back.