Earnings on savings are independent of debt repayments.<p>If you look at page 3 of the document, it talks about how repayments are basically an accounting alteration of the debtors deposit account.<p>Meaning that said account is reduced by the mount paid, but does not show up with a matching increase on any other account ledger (the banks own or any other).<p>Debt and savings are wholly uncoupled, no matter what mainstream economics likes to think.