I go to my bank, they make me an "amazing" offer. If I put 100€ in my bank account, they will pay me 1.8% interest yearly for 10 years. The bank (EU) goes to the European Central Bank, tells them they have 100€ which they will lay down locked for 10 years and since they only have to put down 1% for loans, they take a loan of 10.000€ and lend these new created 10.000€ to another one of their clients at an interest rate of 6%. They generate on the original investment which was my $100 ,600% profit from where they will take 1.8% for my yearly payout plus they have generated newly printed 9.900€ which devalues all existing € in circulation. Then 1,8% yearly profit would not even be enough to pay the banks yearly service fees.