[WalterBright]

Money in bank accounts is not idle. It is loaned out - and nobody is going to borrow unless they have plans to spend it.

(As eloquently put by Jimmy Stewart in "It's a Wonderful Life".)

[Peaker]

Value can be measured in currency. When the target audience of some product has no currency, you could say that economically it has no value. Whereas if you ask these penniless people, they will tell you that it has enormous value to them.

Therefore, placing currency in the hands of the masses can and will drive value creation, because it will assign economic value to what brings value to the masses.

[arnoooooo]

It really is much more complicated than that. Money in bank accounts give the banks the right to create a proportional amount of money, under the assumption that value will be created to match that amount.