Your analogy breaks down because my eating and walking will not transfer energy to another human. My own household experience with money and all analogies fail

Your analogy breaks down because my eating and walking will not transfer energy to another human. My own household experience with money and all analogies failed me when I first started thinking about these things. It only clicked once I started drawing up balance sheets. As for the giant loan and transfer, I think that might be cleared soon-ish and only settled, with an interbank or fed loan if needed, at a later point in time after netting with other transfers.