Fractional reserve banking causes poverty

Fractional reserve banking causes homelessness because it enables people to get into debt and purchase property which would otherwise be too expensive for them. The result of this is that house prices in general increase to the point where people who are not willing to get into debt cannot afford them. Fractional reserve banking makes houses too expensive for people who are not willing to get into debt. The problem with fractional reserve banking (frb) is that it makes assets such as housing too expensive for people who do not want to get into debt. Frb makes housing expensive which causes poverty and homelessness. Frb causes poverty because people who do not get into debt cannot afford to obtain assets such as housing.