There has been no change since Lincoln's time. Many have tried and wound up broke or dead. It is generally accepted that banks are able to lend up to 10 times their reserve. No one will argue that banks charge interest. Let's consult some experts and see what they have to say about banks and fractional reserve banking.
Banks create credit.
It is a mistake to suppose that bank credit is created to any extent by the payment of money into banks. A loan made by a bank is a clear addition to the amount of money in the community. Banking was conceived in iniquity and born in sin. But if you want to continue to be slaves of the bankers and pay the cost of your own slavery, then let the bankers continue to create money and control credit. Sir Josiah Stamp.