I don't know. Do you?
If the bank goes belly-up, they are lost unless they (as well as demand deposits) are covered by deposit insurance. If they are not, neither fractional, nor full reserve requirements will help here, right?
Right.
And then you say that I don't know what bank runs are and what fractional reserve banking is (for that matter), lol...
Correct.
How come?
Lots of reasons, including that you are confusing bank runs with "going belly-up", but the biggest reason is probably that I explained it to you and you said I was wrong, and then refused to explain why I was wrong.