Oddbean new post about login | logout Monero might as well be entirely fractional reserved since only 0.0001% of the population understand the math necessary to prove it isn't.
You can say that about literally anything including how Bitcoins cryptography works It also isn't THAT hard to learn what commitments are and the math behind them. You could do it in an evening. https://docs.grin.mw/wiki/miscellaneous/switch-commitments/