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The bank doesn't have those money. You received money from other people that the bank took from them.

Very clear even on ECB site, it's a fucking scam and people just go with it, ignoring the consequences (then just complain because things are not going well... THEY ARE PART OF THE PROBLEM).

If you want a more detailed explanation, watch the excellent documentary named: The history of money

https://www.youtube.com/playlist?list=PLE88E9ICdiphYjJkeeLL2O09eJoC8r7Dc