Fractional-reserve banking.
  • You deposit your hard earned fiat into your bank account.
  • The bank lends out 90% of your funds and keep a 10% reserve.
  • The bank earns interest on loan.
  • This cycle repeats with the person borrowing the money from the bank.
The interest earned/created by banks is how they create their monopoly currency. https://assignmentpoint.com/wp-content/uploads/2020/06/Fractional-reserve-banking.jpg