[dragonwriter]

> I think I agree, if you divide assets into "money" and "other stuff" buckets then when you move something between them, "money" is created.

A new loan doesn't move assets between buckets it creates a new asset and a new liability. The asset is money, the liability is not money (nor is it negative money).

> I don't think people intend to say this and only this, when they talk about creating money. Because it's trivial.

Money creation is fairly trivial if somewhat counterintuitive, but people talk about it because it is important in its economic effects.