[DeathArrow]

>The "money" in the economy is actually mostly credit

But how can you borrow money to somebody if you don't physically have those money?

[yakubin]

The money is created when someone borrows it. But you cannot lend more than a certain multiple of what you have as deposit. This multiple is decided by the central bank.

[tacitusarc]

See fractional reserve banking: https://en.m.wikipedia.org/wiki/Fractional-reserve_banking