Commercial banks don't create money, they create loans. And when loans are zeroed out they no longer exist. There's interest that is earned as revenue and event

Commercial banks don't create money, they create loans. And when loans are zeroed out they no longer exist. There's interest that is earned as revenue and eventual profit, but only the Treasury creates money. Money doesn't work on faith. Money is debt. The currency issuer takes on debt(the US government.) The debt is coined/minted/printed to fulfill some government budget. These dollars go to people to build/work/service the programs. The government coerces people into working by raising a tax. If the government runs a deficit, then the private sector has a net positive gain. If the government runs a surplus, then the private sector has a net loss(e.g., austerity.) You don't want to restrict the creation of money if the economy is expanding. You want the money supply to grow or else you will have deflation.