I feel you are getting into the definition of the role of the Bank as intermediary as stated in the latest link above, and to be fair the definition of what Money depends on what is role in the economic transactions.
Bankers themselves don't describe like that: "Economists frequently assert that banks can create money out of nothing. Bankers have a different opinion: for every loan they need to attract money. And, strangely, they are both correct. How can this be reconciled?"
Bankers themselves don't describe like that: "Economists frequently assert that banks can create money out of nothing. Bankers have a different opinion: for every loan they need to attract money. And, strangely, they are both correct. How can this be reconciled?"
ING: "The money creation paradox" https://think.ing.com/uploads/reports/Money_paradox2.pdf
"Why don't Economists understand money?": https://youtu.be/EObtwxpDSzk
Please see particularly as of this point (Video at correct time): https://youtu.be/EObtwxpDSzk?t=804
"If You Don't Understand Banks, Don't Write About Them": https://www.forbes.com/sites/francescoppola/2019/09/17/if-yo...