Not only are we  born a magician -- something the Education system does everything to hide -- but our  magic, White Magic, is just as powerful as the FRB's Black-Magic that creates Debt out of thin air. The proof of these magical powers comes with three  questions the banks/agencies can NEVER answer -- if they did then it would destroy not only the whole banking system but the  whole US Corporation:
If a Bank or agency claims that there is debt then three questions will work as White Magic that MUST vanish the  debt because it can never be real debt but  ONLY claimed debt:
ONE: what  is the Account Number
TWO what is the name of that account number
THREE: what is the routing-number for this account that funded the claimed debt/loan.
These three questions are the WHITE-MAGIC that always vanishes ALL DEBTS,  -- BOTH PUBLIC AND PRIVATE -- into the same thin air the FRB used to create it.

 

They're required to keep a fraction of their funds with the Federal Reserve, limiting the growth of money.

It doesn't just appear.*

Neither money nor debt is necessarily better, but at some point you have to pay the piper black magic or no. **

 

* Government literally printing money aside.

** Sometimes. There's a greater magic called defaulting. In that case someone else is left holding the bag. They are generally not pleased by this.