Full-Reserve “Banking”

I support the Austrian Economics, really admire Rothbard, Mises and others, trying to read all the things… There is no debate for me that fractional system is fraud and counterfeiting. But I have three unsolved problems in my mind:

1-) Who would lend his money/Which bank would lend it’s money if there are more opportunities to use it -let’s assume we are living in a near-perfect system which Austrian Economics want like gold standard, low taxes etc.- and make it grow? How would the banking system work?

2-) In this near-perfect system, deflation will occur. I bought 400000 dollars house through borrowing, and naturally it has interest. After 20 years all the things will be far cheaper and my house would worth like 80000 dollars. How would the borrowing be affordable? Why would someone borrow and if no one borrows how will we have entrepreneurs and a growing economy?

3-) What would the interest rates be? I “guess” it would definitely be really high because no one would lend it’s money for cheap interest when there are more opportunities like a booming stock market etc.

Many thanks, really appreciated.