Banks create the money for free. They literally lend it into existence. You apply for a loan to buy a house & the bank just adds the value of the house to the asset column on their balance sheet.

If I'm the bank, & my "paying for your stuff" costs me nothing & actually devalues everyone else's savings, & then you have to pay me back for a cost I have imposed on others, that's you serving me, not the other way around.

Debt in an honest financial system is more self destructive than it is slavery. But the dishonest debt of a fiat system is slavery if you do & slavery if you don't. Savers are taxed heaviest by inflation, debt is subsidized & rewarded.