Probably only the sort of fractional-reserve banking in which the banker lends out for a year or 30 deposits accepted under the promise to return them upon dema

Probably only the sort of fractional-reserve banking in which the banker lends out for a year or 30 deposits accepted under the promise to return them upon demand. That's the sort that can have bank runs. If depositors agree that their money is locked up for a while, no problem.