Frb is is temporary like the government

To be in the mafia is to be in a weak and vulnerable position because your income is derived from violence. Even if there are no direct repercussions you are still vulnerable because your practice is inconsistent. It is inconsistent to use violence to get what you want because you are being authoritarian and not recognising other people as equals. Something which is inconsistent is temporary... only consistent things will survive which means that eventually the mafia will not survive and is temporary. Because the mafia is temporary this means fractional-reserve banking is also temporary because it relies for its existence on deposit insurance which comes from the government. Governments are temporary so fractional-reserve banking is temporary.