The bank created money because the borrower can use the money to settle other debts. When the creditor that the debtor repays with the credit card deposits thos

The bank created money because the borrower can use the money to settle other debts. When the creditor that the debtor repays with the credit card deposits those payments in bank accounts they become bank deposits in other banks. The hospital patient cannot settle debts with his medical care that he received or deposit it in a bank.