Would the abolition of inter banks lending eradicate the typical financial crisis faced by rich countries?

The handing over of electronic account without the real cash being in place allows the banks to trade contracts such as insurance, and mortgage. If the bankers or lenders were to be regulated to such extent that the borrower were to be forwarded the loan only from the lender's own reserve than it would be such that 'no reserve, no lending, no crisis'.Would the abolition of inter banks lending eradicate the typical financial crisis faced by rich countries?Inter bank lending has nothing to do with trading mortgages etc. No inter bank lending will mean that the banking system will grind to a halt. Now, restricting trading of mortgages might help but there were banking crises before such trading was invented. It would be better to ensure that the people taking out mortgages could afford them (at least 20% deposit and full income documentation).Would the abolition of inter banks lending eradicate the typical financial crisis faced by rich countries?it would not stop it entirely but it would sure help!!!