Fractional reserve banking is not a contradiction

Fractional reserve banking is benign because it is not authoritarian. The banks receive a subsidy from the government so we cannot have any complaint with the banks. We can only have a complaint when there is an inconsistency in the relationship between the government and the individual. If the government is aggressive this is a problem under common law but it is not aggressive to be favourable to a particular segment of society. It is not a contradiction to give bail-outs to the rich for example (as with frb). The only contradiction is when the individual is asked to pay for it.