Right, it could possibly be negative. Second, if I went to a store spent 199 dollars and those 199 dollars magically reappeared in my hand, didn't I create mon

Right, it could possibly be negative. Second, if I went to a store spent 199 dollars and those 199 dollars magically reappeared in my hand, didn't I create money out of nothing and reduce dollar value? Yes I did. Even if I never cloned any money I reduce the expectations of future stores that their money won't magically disappear. And yes, I am aware banks do this, but they are regulated and when they abuse it, you get a financial crisis.