Something else I'd probably add here is the fact that is not the “Banker” “creating” money as credit. It's John Galt instead, his signature (not the autograph) placed in that paper that then create another valuable document, declaring to a global market that JOHN GALT Inc. is willing to take credit for something. You John Galt, did you know there was all this hidden system behind? I didn't!

What that document does, from my little understanding, is to also allow the Banker to claim that amount of 5k (if not a much bigger one) from the initial JOHN GALT Inc. bond created at birth, and add more debt/credit to the global fire we call now global economy.

That same document we sign, also get converted in a tradable asset and is then traded as bond too, contributing to the wealth generation of those playing the game! So the “Banker” get paid twice!

Doing my best here to translate this process in words, Hopefully there's someone here able to better explain what's going on behind the scenes.