[the_gastropod]

Let me be more clear: the value in money creation is the loan itself. Money creation in USD does not make the USD more valuable. It makes the economic output of the economic system (GDP) more valuable.

The point remains: someone spending $USD to acquire $<Crypto> should expect to lose $USD when they invariably want to sell their tokens for $USD later. Casino chips are also a negative-sum game, even though a loan shark may loan you some for interest.

[DANK_YACHT]

Casino chips are a good example. It's the casino that is zero-sum, not the chips themselves. People don't do business in casino chips because of logistic and liquidity issues. If you could buy casino chips digitally from anywhere in the world, at any time, with no counter party risk, and write contracts against them, then I bet a lot of people would do so.