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In FIAT irs not central banks though, its rich capitalists via commercial banks who print the lion share of money - more than governments.

fiat - thieves can print money

no, capitalists.

If you have enormous capital, you can lend more and you can use it to buy even more, which you can use to lend even more and so on.

Since 2008 it is official, we are in general in "too big to fail" mode for everything, thus it never ends. Formally its debt, but practically its just printing.