There is no big difference between credit from today's saving or credit from tomorrow's saving. The later gives people a feeling that those money are created out of thin air, since currently there are nothing connected to those credit, but if the future is close and sure enough, the difference can be ignored

A short term loan is almost as good as saving, but a long term loan should be very difficult to get, since the risk of future must be factored in, this is not the case in today's credit market, banks try to get everyone a long term loan and collect interest forever, and when the situation changes, they all screwed