We created this money to give to you, and you have to pay it back plus a 5-20% fee.
We’re also betting on whether you will pay it back or not, and other people are betting on whether our bet will win.
If we lose too many bets, or too many people bet against our bets, then the money we just gave you disappears, the economy crashes, and you get kicked out of your house.

Fractional reserve banking and the modern securities market is a trip. Kafka was on to something.