When you take out a loan from the bank they don’t take money out of a vault to give you. They just write up an IOU and “give” you money they don’t have, knowing that you’re going to pay it back with money you work for. Then people store their hard-earned money in the bank, a.k.a. giving the bank free loans, so that the bank can charge them fees while lending their money out for profit. So much for “normal.”