there seems to be some cognitive dissonance here.
it seems you hold that
1)FRB demand deposit accounts , currently, in the form that they exist, are not fraudulent.
2)if FRB deposit account accounts terms and conditions were altered so as to specify ‘emergency delay’ clauses, they would be not fraudulent.
3)that its not necessary to add emergency delay clauses to these accounts, as they arent fraudelent anyway
4)the fact that ‘its possible to add such clauses and hence put the practice of FRB demand deposit accounts beyond reproach’ should convince us that (1),(2),(3).