Am I talking to a bunch of rubes that just fell off the turnip truck?  Of course fractional reserve banking is a scam.  Just because it's an institutionalized scam doesn't make a difference.  Fractional reserve banking is by definition crony capitalism.  If some 10 year old girls open a lemonade stand on the side of the road, not many people mind.  If instead of lemonade they start to sell unbacked million dollar receipts for gold that doesn't exist, it's suddenly an emergency where they're deemed scam artists!

I don't believe in giving permits that grant special rights and privilege for some people to scam while for others it's illegal.  Fractional reserve doesn't actually benefit anyone except the Jew scammers running the banks.  For instance, the price of housing is derived from the debt/credit markets.  If the credit markets freeze and 30 year loans disappear, well, the price of all houses now deflates to nothing since nobody is financing the cost of a house over a 30 year time span and the prices have to be marked to market to accommodate liquidity.

30 year loans can't exist without fractional reserve and it is not YOU that benefits from them, it is usury bankers.  The act of having these lending windows based on fraud exist at all just inflates the cost of assets to the moon in bubbles.  This means if anyone is taking these loans, now everyone has to take them as well even if you normally wouldn't or you'll be priced out of the market.  Some people might think it's still worth it slogging through all this inflated asset price usury burden to be able to own a home, but in the end you don't even own it since you have to pay rent still (property tax).  

This is why the housing market is the ultimate racket.  You're being extorted due to the government mandated existence of fractional reserve jacking up the prices in bubbles, then even if you pay it off, it's still not even an asset.  It's a liability you pay a fee on.  All bubbles and systems built on fraud do crash, though.  The fractional reserve system will blow up giving you a brief window of opportunity to buy at non-highway robbery prices every once in a blue moon utilizing a currency that is not affected by deflationary collapse (gold, silver, bitcoin if it doesn't die).

It is therefore in your best interest to help blow up the system as fast as possible: