Fractional Reserve banking, government debt and billionaire borrowing

Fractional reserve banking (FRB) is what maintains this system of government debt and the persistent borrowing of debt (loans) by Billionaires. Without FRB the government (any government) would have to maintain its own rainy day fund for all expenditures (many do however the majority of government spending is paid for with debt).

FRB is not the only way to achieve economic prosperity as some of the trolls and liberals/conservatives here would have you believe. The issue with that reasoning is that the government shouldn’t be making investments in private institutions. Not only does that create disparities but it develops into a larger issue when cuts are made (historical and present examples exist and are plentiful).

The question is: why would anybody support this system that makes billionaires and government unaccountable and more powerful?