As the article mentions, there are three types of banking. The major point is that fractional reserve banking is literally destroying the world.

Full reserve banks typically make their money by charging a monthly fee for protecting deposits. Like a safety deposit box or a Brinks vault. People would be paying for real security/protection of their money.

Banks are for banking, money lenders are for lending. (Narrow banking combines the two, but without any new money creation.) For some inexplicable reason, most Americans somehow cannot fathom the idea of banking one place and borrowing somewhere else, so narrow banking is probably society's best bet.*

*Society should ban interest altogether like smart ancient cultures, but that's another story. ;)