I think it just depends on what you define as "money" and what you define as "credit". The two are so interchangeable as to be indistinguishable today. Almost all modern money is created by the credit markets.
Yes, absolutely. Where we seem to differ is on the issue of whether this is permanent or a blip. I'm betting it's a blip, while sadly aware that geezers often tend to think like that. I wasn't always a geezer but I genuinely don't know how much of my opinion is geezer-reflex and how much (if any) is wisdom from experience. Darned newfangled gadgets - if the good lord had meant us to use the metric system he would have given us meters instead of feet. Save your Dixie cups - the South will rise again! Harumph, where was I? Is that spittle?
Anyway, this is the kind of reason I don't attempt to influence the direction of Dash development by voting or lobbying. I have opinions and they tend to serve me well but we always need someone to take the other side of any bet. With Dash, I'm an avid but potentially fickle consumer. With fluffycoin, I'm an onlooker - it's got the gruesome appeal of a freeway crash - I can't take my eyes off it but I want no part of it. We seem to have different reasons that have led us to the same place. To each his own. Choice is good.