I agree that central banks also create money, but I'm afraid I can't agree with how you frame the rest of your reply. Let's look at it from a balance sheet pers

I agree that central banks also create money, but I'm afraid I can't agree with how you frame the rest of your reply. Let's look at it from a balance sheet perspective. When a bank creates a loan, it adds an asset and a liability to its balance sheet. The asset is the loan (that is, the bank's customer's promise to pay back the loan), while the liability is newly created money in the customer's bank account. The money supply is defined as the sum of all money in existence, and this includes money in bank accounts. That is, when a loan is made, the money supply grows. When the loan is paid back, the reverse happens and the money supply shrinks again. And yes, the amount of money in existence is increasing continuously, but so is the amount of outstanding bank loans. In other words, the evidence you present is perfectly compatible with what I'm saying.