Secret they don't tell you
You don't learn in this your banking and economy schools.
But money is created of the collateral of people.
Period, you are the collateral in the financial system yes you been told many things....it don't matter mainstream economic knowledge and financial info can't be real.
Not really understanding the process of printing money and maybe a small part of what you said underlies how banks always provide certainty to people who try to apply for loans based on performance. We must admit that money must circulate to ensure a balanced circulation, but in a much more complicated part we never have control to ensure it and that's why we only see numbers not cash.
The performance is complicated and there may always be no certainty about the problem because if the rules for printing money can be limited, sometimes we never know how they can control inflation which is much worse.