Money is a ledger of who did how much work.

Fractional reserve banks add to the ledger work they did not actually do and claim it.

Here's more about this from nostr:npub1h8nk2346qezka5cpm8jjh3yl5j88pf4ly2ptu7s6uu55wcfqy0wq36rpev

https://open.spotify.com/episode/4t1Xr09Mpl7qzjU5SsnK4X?si=Or-7V0Y5QR6qN4THBWQQSw