Let us analyze what happens in commercial banking. First, we have a deposit. Then, we have a loan of up to a fraction (of 90%%) of this deposit. Finally, the borrower can deposit the borrowed money into another bank account, in the same bank or not. Suddenly, the trillion dollar question emerges: is the borrowed money in these two bank accounts... the same? On the one hand, the answer is yes: all borrowed money came from the original deposit---so it is that same original money. On the other hand, the answer is no: all money deposited into the borrower's account possibly stays in the original depositor's account---so it is not that same original money. How can that be? (Digital version: http: //omniequivalence.com/representational-monetary-identity/
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