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.
Yes, the financial system has always been in a constant flow of rules, which are sometimes so complex for many people to grasp. The fact is that circulation of money is not only a figure written down, but the functioning of something behind the figures. Despite the presence of policies that seek to govern this, there are other acts that happen out of our control, which may result in the present outcome. As it often happens, we observe the process of change without remaining aware of the fact of how it is made. That is the only time when one learns that the application of such rules is relatively flexible and can change anytime, which provides no surety in such a process.