Been thinking about that for eons.

My fave? Supersonic flying cars!

https://peakd.com/story/@creatr/may-2027-free-to-move-about-the-world-part-1-by-duncan-cary-palmer

You can read DM

Fractional reserve banking happens by itself if there are no laws to stop it because the people running the banks are incentivized to do it.

The difference between banking and Bitcoin is that Bitcoin does not try to fight human nature, it uses it to its advantage for the good of everyone involved.