Is it truly idle? Imagine I have $20MM dollars. I put it in the bank. The bank is at liberty to create more money via loans because it has this deposit. Money

Is it truly idle? Imagine I have $20MM dollars. I put it in the bank. The bank is at liberty to create more money via loans because it has this deposit. Money isn't physical, it's not in a vault, in the main. Isn't the main problem that the economy is structured to reward rentiers which is stifling wealth creation and diverting energies into pointless activity like gaming financial markets, speculating on real-estate etc. Rent extraction has become so efficient it is able to immediately swallow any productivity gains. We are becoming more productive and seeing rents rise. Exhibit A: Silicon Valley and hub.