No, fractional-reserve-banking is NOT a ponzi scheme, simply because customer deposits are insured.

Hoo-boy, I almost forgot about the INSURANCE SCAM.

Do you realize that the FDIC has nowhere near the cash-money-dollars it would take to payout $10,000.00 per depositor? If even a single big bank truly went belly-up, the FDIC would be instantaneously flat-broke.

Have you ever heard of AIG?

Do you know who they sold insurance to?

Spoiler alert, they sold insurance to the worlds largest insurance companies (and AIG went broke).

That's a ponzi-scheme. If you promise people their money, but don't actually have enough money to pay them (if only 10% of customers close their accounts and cash-out, the bank is done-for) then you're running a ponzi-scheme.