Fractional banking is a bit like money laundering

There is an equivalence between government-guaranteed fractional reserve banking and money laundering. With money laundering money acquired by illegal means (either counterfeiting or crime) can be 'washed' through the banking system. With fractional reserve banking we can consider the private citizen to be the person doing the washing for the bank. When the bank makes a loan and increases the money supply it cannot do so without a customer. The bank requires people to take out loans if it is to cause inflation. Without lenders the money supply remains the same.