Agreed, that's why I see promise in Bitcoin, apart from the initial distribution problem once that has passed, the money will be owned by the labour that saves it (and inflation and deflation will be the measure the value of the labour that produced the work that earned the money that was saved.)

Fractional Reserve Banking is by definition theft, I am grateful for it as it is what broke the Feudal class, who had a monopoly on the land which is the source of prosperity, and enslaved the 99%, FRB gave birth to a new Capital class who now have a monopoly on the prosperity of labour and innovation. The time has come to end the Capital class the owners of money.

The new enlightenment will result when: 1) you own your productivity and 2) the Property rights evolve to mitigate monopoly.
Fixed quantity p2p Cryptocurrency is the first step in achieving 1)