What are you talking about? Since the FRB bank used 90% of my money, they have only 10% of my money available. Where they'd take the other money from if I want to withdraw all my money?
They can go around that problem only if central bank stands behind them, and prints the missing money when needed, which has a lot of bad consequences. Without central bank the FRB bank would go bankrupt immediately people would be suspicious about its insolvency.

My argument is that bitcoin FRB won't work because there is no possibility to create central bank which could create new bitcoins when they want and back the fraudulent FRB banks.