Not everyone is aware that the banks increase the money supply

Banking is fraud because there is deception (deliberate or otherwise) which leads to economic, or material gain. People are not aware that the banks have the legal entitlement to increase the money supply, and it is to the advantage of the banks that it remains like that because (we can presume) people would not tolerate the arrangement, they would vote against it. There is no particular fraud at an individual, local level, the fraud happens Nationally, globally across the entire economy and political jurisdiction. It is a fraud because people would prefer Government to be without it, if possible, were they to know about it.

Banking is fraud not at an individual level but because people do not know that banks are able to increase the money supply. It is fraudulent (or deceitful) not to inform the public, given that they assume only the Government is able to increase the money supply. It is better to inform our customers and associates of the arrangement between us, if there is a possibility of misunderstanding. Some people might not realise that the banks increase the money supply.