Exactly! I (as a bank) will lend you 100 GBP for a year by logging into your account and adding the number to it.

You'll use it to buy something and will be paying 10 GBP back to me every month.

One year later, you pay back to me 120 GBP and we're square. I will delete 100 GBP and keep the rest. Officially I earned 20 GBP from something I never had.

Do you want a mortgage? If you give me your new home, I'll let you to pay me for 30 years. I'll earn more than 100% of the original loan, while risking zero capital.

You can't keep up with the payments? Sorry, I'll just delete the money that never existed and keep your home instead. Free real estate right there.

Better luck next time, loser!

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