First, understand that all money is fiction anyway, and that any 'value' ascribed to any article or material is only arbitrary and subjective anyway - and not our subjective opinion anyway. This has been so for five thousand years.
That established, now let us look very briefly at the implementation of the financial system that exists within this illusory world.
In our insane world, you have to have money to buy things that the world freely produces - even the natural basics of food and water - but which have been made to cost money to acquire - Yes, and further inflated and inflated in price by incidental 'investment for profit'.
Therefore you have to have money even to live, either by working for it, for what another will pay you for your effort, by having others work for you on the basis of profiting by what you will pay them, or by borrowing it.
If you have to borrow it, in the expectation that profit can enable the repayment of 'capital and interest', then you have to ask another entity that is the source of money to the public to borrow it from them. Therefore you will have to ask a bank for a credit, and the bank will authorise it.
In fact, the banks do not have the money itself, but they authorise your credit by inventing the credit. They are authorised to do this by the whole system being based on falsification, in that the banks invent the credit out of nothing. This is permitted by an abstract illusion called 'fractional reserve lending', which - totally dishonestly and senselessly - permits them to lend nine times the amount of 'real money' that they actually hold from depositors or other sources.
The entire lending system all stems from the ultimate financial authority of the last two and a half centuries, the Rothschilds, who simply authorise all this fiction of finance by lending INK!, and to whom it all returns as loot to be stashed away in their tax-exempt 'Trusts'.
This is the totally empty and baseless foundation of modern finance.