I'm surprised that the people who think fractional reserve banking is bad, are comfortable with the government issuing all the money and gaining the seignorage. We could have avoided the recessions after the financial crisis if US and European governments had created money for spending on infrastructure. But the people who dislike fractional reserve banking typically dislike this fiscal policy as well. You can't have both.

Well you can, but you might as well wish for a pony as well while you're at it.