"A Toyota dealership arranges a loan for you. Through a bank for a used vehicle, sometimes through Toyota itself for new cars. A house builder will routinely t

"A Toyota dealership arranges a loan for you. Through a bank for a used vehicle, sometimes through Toyota itself for new cars. A house builder will routinely take on part of the loan providing burden to get some of the interest" Wrong - when you borrow money the bank has instantaneously created money for you with the asset of your future promises of delivery of cash flows. The bank is not using somebody elses money - it is literally creating it. Debt is akin to raw material for banks - the debt being the money it now owes you today. Its interesting how many people get close to 90% of getting it, but the last 10% is actually 90% of the understanding.