[sophrosyne42]

> Money is used by loaning it out, which requires no effort

Money is a medium of exchange. It is used by exchanging it for something else. A loan involves trading money in the present, which is more valuable, for money in the future. What produces value here is surrendering present goods indirectly through the intermediary of money. The creditor gives up consumption so that others can consume or produce earlier than they otherwise could have in absence of the loan. This is the value produced by loans in the eyes of the debtor.

> Now you're getting it!

Notice how any market automatically involves said accounting immediately when money is used. Your earlier insistence that markets and capitalism are distinct cannot be maintained.