You can find them anywhere since 99% of people do not understand how banking works.
Ahh, nice goalpost shifting there. 99% of people don't understand how anything works. That doesn't make everything fraud. The question is whether there are people who think that when you deposit money in a checking account, the bank keeps your money in the vault for you and pays you interest either out of the goodness of their heart or by magic.
Remember, you said:
It's fraud because banks make you think their IOUs=dollars, when in fact they are definitely not equal because they are not backed 100% by dollars.