That’s not the point. The point is where what you have came from in the first place. A loan creates an advance. That advance is the bank owing a person in retu

That’s not the point. The point is where what you have came from in the first place. A loan creates an advance. That advance is the bank owing a person in return for the person owing the bank. The advance is then used to pay you so you have a deposit. All that does is change the ownership tag on the advance.