Fractional reserver always bad.   Layered solutions are NOT fractional reserve.  They are actually the opposite.   When sats are "reserved" in LN they are LOCKED UP for a time actually reducing monetary supply.  

You and the other guy here sound like you are spending time around shit coiners and absorbing fud at different rates. 

While things like Ecash require trust the do not inflate the total monetary supply.  It is like you two don't have a clue what fractional reserve is. 

You should learn what fractional reserve is FIRST because neither of you seem to know. 

https://www.thesurvivalpodcast.com/tsprw-215