No, I am referring to the fact that for every dollar that is in circulation, there is a borrower who was issued a loan and used loan created dollars to get(borrow) goods and services from the general population. For that reason he is legally obligated - by the loan contract (backed by collateral), to return dollars back to the issuer (bank), and in the process have less purchasing power for goods and services. That is how he "returns" borrowed goods and services back to the general population. On the other hand, bitcoin miner used bitcoins to extract dollars, goods and services from the general population, but unlike borrower, he has no obligation to return goods and services back to the general population. Thus, unlike Dollar,  Bitcoin is not debt instrument that reduces purchasing power of borrowers through the banking system. Hence, in the first instance we have: 'borrowing goods and services from the general population - returning goods and services back to the general population', which is legitimate. In the second instance we have "extracting goods and services from the general population", which is a scam.