You are drastically misunderstanding arguments that you are parroting. When you see a physical dollar bill , the federal government, specifically the Beaureu

You are drastically misunderstanding arguments that you are parroting. When you see a physical dollar bill , the federal government, specifically the Beaureu of engraving and printing, printed that money. Which is however not what people mean when they say printing money in this context. In that case they are talking about monetary policy, generally old-school OMO or recently it's variation QE which expands the feds balance sheet with recently created money ( ie they print the money digitally to expand their balance sheet) Banks engaging in fractional reserve lending does increase the money supply but economists and the financial press do not refer to this as printing money, they refer to it as lending. And finally the "the government isn't a household" argument has grains of truth but is also incredibly trite and fails to understand the many ways in which they are accountable to the same forces a household is accountable to.