### Comment:
Lol it doesn’t create money it transfers it to somebody down the line who will use it now, hopefully for something productive, rather than tomorrow. Broadly speaking banks charge interest on one side and either pay interest (to finance themselve) and/or a convenience (current account) and/or some kind of maturity or liquidity risk on the other. 
  
 They take a margin in the middle cause that’s what companies tend to do in our actual reality. 
  


### REPLY:
They do create money when doing fractional banking. They loan out more than they have in assets on their balance sheet, in hopes that everyone doesn’t withdrawal all at once.

### END.