Of course, money is useful; indeed, we could not conduct payments without it. But can we infer from this that its value is based entirely on its usefulness? Let's see.

If money enters the stage as a useful asset that is valuable from the very start of its existence, the question must be asked who produces money. The answer is obvious: the banking system. But now, as we have seen, your bank deposit is completely immaterial. If the banking system could create an asset to the economy - literally by the stroke of a pen - this would amount to a metaphysical creation ex nihilo, a creation of something out of nothing. Now, the creation of value simply by the stroke of a pen is clearly not a scientific concept. Banks are not divine institutions that can create economic value at zero cost simply by creating a bank deposit. Therefore, go back to the last question.