Exactly. You've pinpointed the crucial point often missing in the debate: the creation of money "out of thin air" isn't solely the prerogative of central banks but occurs daily in the commercial banking system through credit. Every loan granted creates new scriptural money, opaquely expanding the money supply. Bitcoin overturns this model: it is a truly scarce asset, whose issuance is predictable, transparent, and decentralized. It's no coincidence that understanding this mechanism is the first step to realizing why the current financial system is structurally inflationary and unstable.