> but that's not relevant at the time of forgiveness as you aren't paying it back You're correct, I oversimplified to the point of error. This is the salient p

> but that's not relevant at the time of forgiveness as you aren't paying it back You're correct, I oversimplified to the point of error. This is the salient point though. No money is created or "printed" as part of the operation of forgiving a debt.