1) It's compounding leverage, and becomes very sensitive to even marginal loss of faith. You can say that 20% loss of faith in fractional banking is terminal*. 20% loss of faith in Bitcoin is just 20% loss of value.

*because it would be terminal, their risk of such losses is implicitly insured by the tax payers (slaves) shavings and time.

2) The banking cartel doesn't allow your rich uncle to issue loans out of thin air. This privilege is just for the counterfeiting elite.