Well, let's ask ourselves a question. What is the main function of modern fiat money and monetary policy in the economy? In my opinion, this is the stimulation of economic growth. The whole system is built for this: it is lending to businesses and consumers. So:

>It's government that delegated most of their money or more precisely currency issuance power to many entities some of them **banks**...

And this is absolutely fair! In any complex system, the division of labor is inevitable. Banks - experts of the highest level in lending, this is their main function, everything else is secondary. For this reason, the higher the rating of a bank, the cheaper it can get money on credit. The best banks receive loans at a key interest rate from the central bank (CB). Further, loans are distributed throughout the economic system, and the rate of course is growing. I, too, can take a loan, but I will not be given it at the rate of the central bank. This is fair, because there is always a risk of non-repayment of the loan. And I'm not such a reliable borrower as the best banks.

>many schemes like **fractional reserve** banking

this is an excellent invention in the financial system! The best banks issue loans so well that they have a very low percentage of non-repayment, they can give out 10 times more credits and finance 10 times more businesses than they have their own funds with minimal risk of bankruptcy. This is the acceleration of progress and speed of development. Have you ever wondered why Europe has overtaken other countries for economic and technological development for centuries?))

>and **quantitive easing**

It is absolutely robbery of the population in its pure form((( The states turned bad loans of private banks into national debt by purchasing toxic bonds, which was justified by the threat of collapse of the whole banking system, but it is very very unfair! All citizens paid for bankers' mistakes ...

>At the base of which money really is created out of nothing

yes and it's not a secret, and it's excellent!)) I do not want to pay for making money out of anything expensive, money is only a parameter in the economy, only goods and services are of real value. 

Аnd of course fiat money is not for holding, they are for lending, so if you need to keep their purchasing power, they should be given to someone in debt, i.e. buy reliable bonds.