The answer to a question such as "Bitcoin is meaningless" requires further discussion. I can't give you any answers until I ensure we understand money in the same way.

You're perpetually trying to change the subject. Debt isn't inextricably connected with money. It's created after we've agreed on which currency will be used in our transactions. Two entities, a customer and a merchant can agree to settle their transaction with debt, but without using a fiat currency. For instance, the customer gets their product after they've promised the merchant that they'll deliver them precious rocks. That's also debt.

I repeat, the central bank can create money without any citizen's or commercial bank's permission. That money can be later used to increase debt and be exchanged for goods and services. You're describing what happens afterwards the money is created. The central bank can also be used as a metaphor to the "numbers from a software" you've outlined.

To give you an example: Commercial banks could instead of borrowing from the central bank, gather and decide to setup their own digital currency, which will be used later for loans with collaterals etc.

See: https://news.ycombinator.com/item?id=30469383