you simply don't understand how the banking system works. If you did, you would see that you are the creditor in the situation and you are the creator of "money" through your signature on a promissory note, which creates a negotiable instrument as per UCC 3-104. Such instruments are equivalent to federal reserve notes, which are also debt obligations/promissory notes/contracts, not money.

"If you don’t believe it or don’t get it, I don’t have the time to try to convince you, sorry."