I think the right term that you should use is mining. Downloading virtual money straight to our computers isn't possible, because if money or bitcoin is downloadable, everyone will surely get rich. If you're pertaining to mining, then you could really have virtual money like bitcoin in time.
Yes, it is called mining. Mining is a lot harder now because the cryptocurrencies and the mining softwares now requires a more powerful type of machine or gpu and that costs a lot of money for a person to afford it and it is not a wise investment for now to buy some gpus because the price of the cryptocurrency are recently low compare to the past prices and it is better to just put it straight to cryptocurrency.