Please understand that the government is a form of regulation created by the free market.
The government was not thrust upon mankind by aliens, it didn't instantly materialize from a Bureaucratic Big Bang -- it is the net result of people, and the free market, trying to regulate themselves.  It happened to be so fabulously adaptive & successful from the evolutionary & socio-Darwinian perspectives, that it is now pandemic.
Way to go, Invisible Hand.

The free market created fractional reserve banking -- it was created when the first goldsmith/money changer realized that he could write more IOUs than he had gold in his vault.  A no-brainer, really.

Fractional reserve banking predates any form of regulation, especially government.
For the wikipedos & men who love them: "Fractional-reserve banking predates the existence of governmental monetary authorities and originated many centuries ago in bankers' realization that generally not all depositors demand payment at the same time.[4]" --wikip.

Understand what it is you're against before speaking out against it, pl0x.