Comment: There is also the point

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There is also the point

that the a bank shouldn't be allowed to do something an individual or corporation isn't allowed to do. Obviously if I can't lend out a $100 three ways and collect interest on $300 of lending, a bank shouldn't be able to do that either. Even if a free market theoretically keeps fractional reserve banking in check, it's still an unfair privilege, and thus not part of a free market. If there's an argument otherwise, I'd like to hear it.