I found the below linked article on Strike The Root to be a good allegory showing the faults of fractional reserve banking. Read it over and let me know what you think.

“Scrounging for enough food to starve over years instead of days is an exhausting grind. Crusoe can only dream of capital projects. There appear to be sources for tool making, but always a little too far from food sources to consider risking.”

http://www.strike-the-root.com/91/lafave/lafave2.html