For sure I don't know more, but I am trying to make sense of what is being said in common terms: if banks can get free magical loans it is still a loan, if bank

For sure I don't know more, but I am trying to make sense of what is being said in common terms: if banks can get free magical loans it is still a loan, if banks can just make money out of nothing then that is creating money. I don't doubt that the financial effect is what they say it is, but that does not look like what I would call creating money.