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Though he [the banker] has generally in circulation, therefore, notes to the extent of a hundred thousand pounds, twenty thousand pounds in gold and silver may frequently be a sufficient provision for answering occasional demands." [ The Wealth of Nations , pp. 257-8] In other words, the competitive banking system did not, in fact, eliminate fractional reserve banking.
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Coming out, you examine the clothes of the wardrobe and find a rather well-fitting, sleek captain outfit. It's a nice white/silver base with deep blue on the joints. Looks armored, but it really isn't, still keeping up with the spandex-like design choice that your people seem to have adopted.