Thanks - your Chicago quote says exactly what I told you.  The $100 you deposited was not put in a special box called "freetx money" it was added to the funds of the bank.  The $20 you withdrew was not taken from a box called "freetx money" it comes from the banks funds.  So if I go to that bank and borrow $100, I am not borrowing your money.  I am entering a contract to make payments in return for access to cash that comes from the banks funds.  Or as they so elegantly put it "What they do when they make loans is to accept promissory notes in exchange for credits to the borrowers’ transaction accounts..."

The funny thing is that we both already know this.  I'm not sure what point you want to make.