Where does money come from? Most people think it’s sitting in a bank somewhere, waiting for them. But in this episode, we dig into how banks lend money from thin air — and what that really means for your savings, risk, and inflation.

We explore:

• The fractional reserve banking myth and why your money isn’t really “in the bank”
• A clear money multiplier example showing how £1,000 becomes £10,000
• What the reserve ratio is and how it shapes lending
• How banks create money through lending — a process called money creation
• How the system amplifies inflation by expanding the money supply
• What full reserve banking could look like (and why Bitcoin offers an alternative)
• Why central bank printing money and commercial bank lending both erode the value of your savings
• What happens in a bank freeze, bail-in, or failure — and how much is actually protected

We finish by comparing this system to Bitcoin — where there's no counterparty risk, no inflation, and no lending your savings behind your back.

If you’ve ever wondered how is money created or where does money come from, this episode lays it bare.

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