The thing with Fractional reserve practices is this... The Banks created money out of nothing, because Fractional-reserve banking is the system of banking operating in almost all countries worldwide, under which banks that take deposits from the public are required to hold a proportion of their deposit liabilities in liquid assets as a reserve, and are at liberty to lend the remainder to borrowers. Source : Wikipedia

You cannot create bitcoins out of nothing, because Bitcoin has a fixed supply and that cannot be changed without a majority vote from full nodes. They will never allow that, because that will reduce the value of the bitcoins they own now.