[jpmattia]

> If you have 10 BTC in your wallet that says you have 10 BTC, it will always be 10 BTC and available to you.

Not if your wallet is held at an exchange, which is why that keyword appears in my comment.

[Scoundreller]

Then you have failed to counter the claim of "One of the primary arguments in favour of cryptocurrency is avoiding the fragility of fractional reserve banking."

[jpmattia]

Most people would define fractional reserve banking" as a bank* that loans out a fraction of its reserves.

You are of course free to equate that to "your self-hosted BTC wallet", but I doubt it will gain much traction as a definition.