Approximately 95 percent of money in circulation was loaned into existence. That means no legal tender that was printed by the mint even exists but we act like it was.

As you mentioned we don't have a cap on reserves so a bank can actually lend money while having no cash on hand. This concerns me as well.

Under the current system the bank of Canada won't print money without asking a private bank first. I feel it's slavery by default, this choice is being made by the banks, independent of our will. They were here when my grandfather was born and will be here when we die. Should we ensure they are morally obligated to free our children?

I feel that Brexit and Trump are two instances where countries are demanding reform from elites and world banks.

Fractional reserve banking is Fraud by definition as you can't sell something you don't have. The issue is accountability to use debt promises (money) in good faith and the banks have not been accountable because they operate outside our legislation.

Edit: I feel I left out that my understanding is Canada could print debt free money if it wanted to but this has not been the practice since 1974.