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  5. In truth, money is not created until the instant it is...

In truth, money is not created until the instant it is borrowed. It is the act of borrowing which causes it to spring into existence. And, incidentally, it is the act of paying off the debt that causes it to vanish.

G. Edward Griffin
Spring, Debt, Causes
"The Creature from Jekyll Island". Book by G. Edward Griffin, 1994.
In truth, money is not created until the instant it is borrowed. It is the act of borrowing which causes it to spring into existence. And, incidentally, it is the act of paying off the debt that causes it to vanish.