You know what's also literally never happened in America.
Converting a fractional to a non-fractional reserve banking system. They set reserve requirements to 0% in 2020 and adopted Basel III which itself is fundamentally flawed counting market capitalization exposure as capital reserves in lieu of deposit reserves with asset valuations based upon varying weighted complex formulas with less reporting, also comingling potentially third-party issued debt as a reserve asset paving the way for Ponzi.
Sure sounds as sensational as climate change and ice shelf's the size of Rhode Island breaking off. Except, its not a movie and this actually happened, were you paying attention and noticed or is this news to you? Check out the FDIC website.
lol, yep, just waiting for my check from Soros.
What you're describing has literally never happened in over 100 years of banking in the US and there's no indication that it'll start other than a fringe fanatical movement towards shiny pebbles backing the money.