If anyone is making money out of thin air, it is the banks. They are lending and using oney that doesnt even physically exist to make more money for themselves. Its getting to a point now where it is on the verge of collapse. If the federal reserve raise the rates then it could cause a worldwide crash of markets. At least with Bitcoin, you know what the maximum amount is that will ever be circulating in the world. It cannot be manipulated by centralised persons or groups either.