Original sentence: An alternative to fractional reserve banking is full-reserve banking.Critics have included economists such as Irving Fisher, Frank Knight, and Milton Friedman.First National Bank of Montgomery vs Jerome Daly.For example: if 100 credits are created and loaned into the economy at 10% per year, at the end of the year 110 credits will be needed to pay the loan and extinguish the debt.However, since the additional 10 credits does not yet exist, it too must be borrowed.List of monetary reformers.Michael Rowbotham.Monetary reform.One criticism posits that since debt and the interest on the debt can only be paid in the same form of money, the total debt (principal plus interest) can never be paid in a debt-based monetary system unless more money is created through the same process.Some conservationists and environmentalists believe that fractional reserve banking creates the necessity for indefinite economic growth which leads to environmental destruction and depletion of natural resources especially when coupled with population growth.These commentators often use the term "debt-based monetary system" to refer to an economic system where money is created primarily through fractional-reserve banking techniques, using the banking system.This implies that debt must grow exponentially in order for the monetary system to remain solvent.This was the argument of the Social Credit movement of the 1930s, who proposed to remove the job of money creation from banks and give it to governments.With full-reserve banking, some monetary reformers, such as Stephen Zarlenga of the American Monetary Institute, support the concurrent issuance of debt-free fiat currency from the Treasury, while others such as Congressman Ron Paul and some economists from the Austrian school, call for a commodity currency as existed under the gold standard.Within the economics profession today, most criticisms are from non-mainstream economic theories such as those of  the Austrian School
Edited sentence: Critics have included economists such as Irving Fisher and Frank Knight