Couple problems with that.

Zero reserve banking has been allowed since 2020 (US). Banks are not required to have any cash reserves in order to make loans.

Fractional reserve banking does not mean that no money is created out of thin air when making a loan, but that not all of it is.

Actual empirical evidence and bank records support the notion that at least the bulk of the money loaned is created ex nihilo.

https://www.sciencedirect.com/science/article/pii/S1057521914001070