All money (except for coins) is created in loans, which have a maturity date, at which "money is programmed to return to the bank", else you're forfeited. The m

All money (except for coins) is created in loans, which have a maturity date, at which "money is programmed to return to the bank", else you're forfeited. The monetary aggregate is ever-rotating, else all stops. It used to be 90 days, not sure now. At least that was the state of affairs until 2008. Since then the system is more or less in decay, at least by standards which where held before.