1: If all or even a large fraction of bank customers (beyond the RRR) try to withdraw at once, the money is not there. That means it is not real in any sense but imaginary.

2: Fractional reserve lending means private banks essentially create new money, causing inflation that steals the value of money from independent savers/investors. Inflation is theft writ large. Inflation also incentivizes people to spend rather than save or invest to avoid the depreciating impacts, at the cost of their long term financial stability.

It is a Ponzi/pyramid scheme by globalist bankers. Only the earliest participants who create the bubbles benefit at the expense of genuine savers.