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when i get the money booked to my account um where does the bank get the money from is it from um from deposits customer deposits as the financial intimidation theory claims or is it from excess reserves lets say at the central bank as the fractional reserve theory says because without excess reserves you cant do the new lending or is it just you know created out of nothing out of thin air invented and well the conclusion was uh the money was invented the deposits didnt change the reserves they didnt even check how much do we have in reserves and was was untouched and it was simply newly credited to me now if you look at the legal side for those who are interested in this question from the legal perspective its actually its most clear you know clearly visible whats whats going on because what the bank really does is when you when you get a loan a mortgage whatever the moment you sign the loan contract that can be considered and the bank does consider it as a promissory note tha
