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.
The problem is when this regulation is out of the hands of the individual, for it assumes the higher power is always going to have the individual's best interests in mind. The free market will be regulated, because it is involved with people who are capable of such feats; the difference between the libertarian market and the authoritarian market is
who regulates it: you, or the people who attempt to represent you.
Understand the argument you're against before making people repeat themselves, please.