Banks don't print money , government mint does.

What does bank do then?
It borrows the money from Central bank and lends them to customers thereby circulating money.

We're continuing to inflate the money supply like always and this inflation compounds on the last 100 times we've done this same thing but at least the number we have made public is low. Anti debt, there are certainly good and bad debts. But state monopoly of the money supply obfuscates this. If rates which are really just the price of time and future resources are manipulated, then all debts can 'look' like good debts. The “value” of the dollar doesn’t fluctuate it is 1=1. Value is undefined jargon especially when real value can be set accordingly by man. Reckon it’s just part of the game of substitutions imperative to scale interest rates alongside the money supply. Not only is the risk-free rate zero, the cost of capital should be much higher since fixed-supply of money (all things being equal) create deflationary economies due to technology. Since things get cheaper over time, you will need a higher rate of return to justify lending money out vs today’s system where you’re forced to invest to preserve the purchasing power. It’s actually not important that the base layer is used by 8 billion self-sovereign people, it’s only important that it’s possible and that the sovereign states play by the same rules as their sovereign citizens. There is immense benefit for taking the money printer out of the government’s hands. The consensus will always be managed by the minority like all revolutions.