This chart shows the total amount of credit extended by all commercial banks in the United States, including:

- Commercial and industrial loans

- Consumer loans (consumer credit)

- Mortgage loans (residential and commercial)

- Other types of credit

Commercial bank lending is another form of money creation out of thin air besides that of the central bank, in fact it is the two main forms of money creation.

Here you can see the debt system at its maximum expression, only upwards, never reducing debt, only upwards, to infinity.