Looking for profit opportunities is also working. Or somebody else is being paid for doing those decisions, then that person is working.
You don't magically create wealth, you have to be able to use productions factors to create something that customers are willing to buy for more than it costs you to produce.
On the contrary, banks create money out of thin air everyday. Most of the current issuances of debt is for speculative non-productive asset purchases. This means the US economy will stay weak because ordinary people don't have real jobs. This worsens wealth inequality. Meanwhile, asset holders become wealthier because asset prices are inflated by all that extra money being created out of thin air:
http://www.positivemoney.org/issues/house-prices/Asset holders got wealthy over the past few years by simply doing nothing. The assets they held increased in value due to the policies of the fed reserve in printing money and lowering long term borrowing costs, and this had nothing to do with real work.