I'm confused. If someone lends me counterfeit money, I don't have to give it back. Banks don't lend real money, they act with the government to legally levera

I'm confused. If someone lends me counterfeit money, I don't have to give it back. Banks don't lend real money, they act with the government to legally leverage their deposits and lend out leveraged money. This money is created in the books and did not come from production in the real economy. If private individuals' deposits were hurt then all the more reason to arrest the bankers. The moral hazard comes from government guarantees like FDIC that discourage banks from investing prudently.