Your original response was an insinuation that banking systems in general are based on fraud, and that gold should be the basis of monetary value. In fact, the case has been proven that gold is a poor basis of monetary value and that banking systems, when properly regulated, are not fraudulent, or are very rarely fraudulent.

The reply to that was to explain that regulation was the key to maintaining a stable banking system.

You then ignore all that an conflate unregulated banking and regulated banking as equal.

I hope you understand that this makes your argument dishonest, and that you attempt to avoid this in the future.