Banks have to be banned from re-loaning loaned notes. However, there is a different and likely better way. Ban the incompetent lower classes from banks. Not civilized enough to be able to handle them.
It's a quick test. "Hey, do you think fractional reserve is a good idea?" Ask it a few different ways. Test them on doing their due diligence as well. If they're too dumb to punish corrupt banks, they don't get to bank. Have to go through their local, personally-acquainted lord.
Conveniently this also fixes [[[usury]]], as anyone too dumb to handle loans will be automatically excluded.
P.S. Stuff like privacy also has to be divided by class. The lower classes can't afford privacy. The local lord has to be able to go through their bills or bank statements, so he can scold the wayward children (21+). Likewise, he needs to be able to inspect their kitchen and fuck them up for making unnecessary messes. Etc. By contrast, trying to strip privacy from the upper classes leads to violence and failure.
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