It is a conspiracy for banks to cause inflation

It is not a conspiracy for a private bank to make loans with customer deposits... a conspiracy can only be something associated with the government. Banks with deposit insurance are part of the government so we can say that fractional reserve banking (frb) is not a conspiracy unless the bank has deposit insurance... in which case frb becomes a conspiracy. So to reiterate fractional reserve banking is not a conspiracy unless the banks have deposit insurance... which most (all?) of them do. Deposit insurance makes fractional reserve banking a conspiracy. It is a conspiracy that banks (are able to) cause inflation... which is not possible without deposit insurance and the ability of banks to engage in fractional reserve banking. If it is not illegal for banks with deposit insurance to do fractional reserve banking then the practice of frb is then a conspiracy.