While banks enjoy most of the advantages of this highly lucrative system, a tiny bit of this trickles down to bank customers when they earn interest on their deposit accounts. Governmental are also part of the scheme and often defend that fractional reserve banking systems encourage spending and provide economic stability and growth. On the other hand, many economists believe that the fractional reserve scheme is unsustainable and quite risky - especially if we consider that the current monetary system, implemented by most countries, is actually based on credit/debt and not on real money.