if you're opposed to fractional reserve banking, you're essentially also opposed to bank loans.

banks aren't so different from crowd lending platforms. you deposit money and earn interest on it from loans given by the bank to other customers on your behalf.

the difference is that the bank takes a higher risk because you may ask to withdraw at any moment, such as happens during a bank run. most banks have guarantees from the central bank for such occasions.

if banks couldn't lend your money to other people and take a cut, they'd be charging you just to have an account. (maybe your bank charges for that, but most will only charge you for things like debit cards, transfers to other banks and overdrafts.)