[nl]

I assume you are talking about the credit creation cycle (if not, then please explain your logic?)

I think this depends on your definition of "goes further"

While credit creation may create more value (measured in dollars) than tipping/gifts/charity, the opposite may be true if you measure in terms of numbers of people helped. Many people who are helped by tipping are service workers who don't have easy access to credit.

[Yzupnick]

Yes that is what I'm talking about. While they are not helped directly by getting loans, they are helped by overall growth in the economy.