I wrote nothing about savers. Both the loan (bank asset/customer liability) and the deposit (bank liability/customer asset) are created from nothing at the same

I wrote nothing about savers. Both the loan (bank asset/customer liability) and the deposit (bank liability/customer asset) are created from nothing at the same time when the bank originates a loan. The loanable funds model, which it appears you are alluding to, is observably an operationally incorrect fantasy.