Fractional reserve banking is printing money always

Fractional reserve banking is printing money whether or not the government guarantees the excess credit. There is no circumstance in which frb is not printing money. If the deposits are guaranteed by the government and there is a fiat currency then depositors will have little reason to withdraw their funds even if they know the bank is insolvent. If the bank does not have any support from the government and frb is legal then frb is still printing money because people have not yet withdrawn their money forcing a bank run and so whilst perhaps only for a short time the bank is printing money. If frb is illegal the bank is printing money whether or not people know about it.