Where does the dollar come from? A printer in a U.S. mint building. Every single one. No dollar can come into existance without being printed in one of these buildings. This is not like working out or singing a song, you can’t will money into existance and into your pocket, ultimately someone in charge of a larger pile of money wrote you a check. There is a finite amount of money in the world.
When I deposit $1k in the bank and you take a $500 loan, $500 is created out of nowhere. You are using my deposit yet I still have a balance of $1000 on the books.
Banks cant will money into existance. If you withdrew your money the bank has to pay you from other funds. During the great depression banks collapsed this way, the only thing stopping that today is banks have enough funding to buffer people withdrawing from their accounts.
