Ending fractional reserve lending

would require significant changes to the existing banking system and financial regulations. While I can provide some general ideas on how to reduce the influence of fractional reserve lending, it's important to note that this topic is complex and has implications for the overall economy. It would require careful planning, collaboration with experts, and the involvement of policymakers. Here are a few steps that could be taken:

1. Implement stricter reserve requirements: Gradually increase the reserve requirements for banks, which determine the proportion of customer deposits that must be held in reserves rather than lent out. Higher reserve requirements reduce the amount of money banks can create through lending.

2. Promote alternative banking models: Encourage the development of non-bank financial institutions and community-based financial cooperatives, such as credit unions and mutual banks. These institutions operate under different models that may have more conservative lending practices and can provide competition to traditional banks.

3. Introduce full reserve banking: Transition to a full reserve banking system, where banks are required to hold 100% of customer deposits in reserves. This would effectively eliminate the ability of banks to create money through lending.

4. Explore sovereign money systems: Consider the implementation of sovereign money systems, where money creation is exclusively controlled by the central bank or the government. Under this system, commercial banks would only act as intermediaries between savers and borrowers, rather than creating money.

5. Enhance financial regulation and transparency:

 Strengthen regulatory oversight of banks and financial institutions to prevent excessive risk-taking and ensure transparency in lending practices. This can help curb the negative impacts of fractional reserve lending and promote more responsible banking behavior.

6. Educate the public: Raise awareness about the workings of the fractional reserve banking system and its implications. Educating the public about the nature of money creation and the role of banks can empower individuals to make informed financial decisions and demand changes in the banking sector.

It's important to note that ending fractional reserve lending entirely may have significant consequences for the availability of credit, liquidity in the economy, and the overall functioning of financial markets. Therefore, any transition should be carefully studied and planned to avoid unintended negative consequences.