Money as Debt

Money as debt means that the money we use in our everyday lives didn't always exist before. Most of it came from banks who loaned it out to people and businesses. So when you borrow money from the bank, you are actually creating money (as debt). That money becomes “real” when you use it to buy things. This is how money is created, and the amount of money in the world increases when more people and businesses borrow from banks. The only problem is that when you borrow money, you also have to pay it back with interest, and that's how the banks make money.