People think banks can fail

Fractional reserve banking is entirely a fraud. It would not work if a sufficient number of people are aware of it... it requires people not to know about it which means it is a fraud. The fraud is perpetrated not simply by the banks but by a combination of the government and the banks. The government and the banks are one if there is deposit insurance (and fractional reserve banking) so the fraud is perpetrated by the government. Frb is a fraud perpetrated by the government.