Even if you have money in the bank at 0.1% rate, that's exponential growth too.
If you gave your money to the bank you don't have money anymore. You have invested your money in bank bonds (debt securities).
maybe its possible to say, that if we have fiat money we dont actually have any money;
because its still
their money, even when its in our poket
No. It doesn't matter who has created the money!
1. Money != Debt. Money in your hand or your pocket = Nobody owes you anything but everybody wants it because of its valuable properties facilitating division of labor and thus increasing productivity.
2. Perfect Money = Money can't be used for anything else except for money.
3. Perfect Money = Store of value function doesn't depend on third parties. The Buyer and the Seller determine its value and nobody else.
4. Perfect Money = Bridge in Time preserving 100% the value between two legs of a barter transaction.