Thank you, this is something I think people really misunderstand about "money" in our system. Every time I create a "loan" for a family member I've technically created (i.e. debt) I've done the equivalent as to what a bank does to create "money". The question becomes if I can take the IOU I have from my brother, and trade that to another individual when I need to acquire goods.

The fact we have a mechanism to create trust in trading debut is about assigning and managing risk in the payment of that debt, and transferring/holding that risk over time, which is a separate aspect to the raw creation of money concern (managing total debt loads).