Money does not have value the only value is debt

[Waldorf77]

Money does not have value only value it has how much more money money users need to pay back in future.
If people serve their debt well money have value If they don't money don't have value the eur USD and other fiat.
If money value low now the solution is: make prices higher so people will use credit to buy things and Pay %.
So in otherwords when money have only value If someone have debt the long term debt contracts are best that will keep the best value of money specially the mortgage deals.
If people will be paying off all their debts then money will lose all the value instantly.
Simple example:
If you borrow 100$ today and you pay back 300$ in 3 years it means central banks can print after 3 years 200$ more money without risking of devaluation of money.
If no debt today then no new money later:)
So more debt with high % means more ability to print more money in the future.
The latest rate hikes now means the fed can print more money later. 
We should be thankful for those who borrow money and pay back without them we don't have enough money so Every debit = credit so your 100$ in your wallet is someones credit "the oblication to pay back"
That been said here now we all understood what waiting us in the future and how the money and economical system works.

[avikz]

Here is a nice explainer video that explains how a debt based economy works -

https://youtu.be/CtIkFNhd-0Q?si=88KyU1xdAwFHRSHc

Watch it completely and a lot of misconceptions about money printing will be clear to you. Your concept of printing money is flawed. The banking system is bigger fraud than you think currently.

[odolvlobo]

Here is a nice explainer video that explains how a debt based economy works -
https://youtu.be/CtIkFNhd-0Q?si=88KyU1xdAwFHRSHc
Watch it completely and a lot of misconceptions about money printing will be clear to you. Your concept of printing money is flawed. The banking system is bigger fraud than you think currently.

I recommend avoiding that video. It is full of deception and hyperbole. Much of what it contains is factual, but it is presented in a way that intentionally distorts the truth in order to promote an agenda.

The biggest misconception presented by that video (and by others) is the idea that the debt/money supply must continually be increased because if all debt is paid off then there is no money to pay the interest. I believe that is false. While paying off debt reduces the money supply, paying interest does not. Interest payments do not affect the debt/money supply. Also, the premise of all debt being paid off is absurd.

[franky1]

The biggest misconception presented by that video (and by others) is the idea that the debt/money supply must continually be increased because if all debt is paid off then there is no money to pay the interest. I believe that is false. While paying off debt reduces the money supply, paying interest does not. Interest payments do not affect the debt/money supply. Also, the premise of all debt being paid off is absurd.

banks do not "loan the rest out" of peoples deposits

what actually occurs is the banks only need to keep onhand(inbranch/inATM) a small percentage of peoples deposits for people to withdraw small amounts over time. the rest of the amount is marked as your money total in your account(it doesnt move nor get spent behind your back).

separately the banks can see the combined totals of people deposits and the banks are then allowed to create another allotment of balance which is the "money creation" part..
for instance if there is combined 5 trillion of people bank account money in circulation. the bank has its own policy to create upto 32 trillion of new money debt
they average this out over a 30 year period meaning each year they can only give out just over 1 trillion of new money. hoping when people pay back the amount it fills that allocation so that banks can have balance in that allocation to send out again
the reserve for the 'loans' is not people bank balances.. its a separate pot based on math proportional to peoples bank balance


the fractional part s not that 5/6ths of your money is being sent out as a loan.. its that if the banks have $5trill on accounts they can only print $32trill which has to be spread/used over a long time.

as for the funds they have to keep on hand. which is like an average bank balance being $25k and them only allowing $500 daily withdrawal means that only have to keep on hand 2% of peoples funds


..
the 'keep on hand' to facilitate withdrawals amount is separate policy to the money creation policy of the amount banks can loan from their special allocation

[Perfectbaby]

I think for country to print more money in few years time will be if they loan to other countries such as their neighboring country and of course money only appreciate when it's tied to something that could generate more and not only by loaning or borrowing them to specific country and people for the money to yield.

Money also get more value when it's invested in a business maybe as the business keeps growing the more your income or earnings keeps increase, same thing applicable to buying a share in company and after so many years of investment you may decide to sell of shares and go away with your money to invest in other lucrative business that could yield so much for you.

[lixer]

I think for country to print more money in few years time will be if they loan to other countries such as their neighboring country and of course money only appreciate when it's tied to something that could generate more and not only by loaning or borrowing them to specific country and people for the money to yield.

Money also get more value when it's invested in a business maybe as the business keeps growing the more your income or earnings keeps increase, same thing applicable to buying a share in company and after so many years of investment you may decide to sell of shares and go away with your money to invest in other lucrative business that could yield so much for you.

I don't think many are that dumb to do it. Printing more money doesn't solve their problem but it only worsens it. If they want to lessen their burdens, then they should resist the temptation of borrowing money.

There might still be other much better solutions out there or ways for them to earn money that has less or no draw backs at all. Lending money is the ones that can generate you more money but not borrowing it, unless if you use the money for good use cases like a profitable investment or something. Rolling the money might be better than staying on one source, in a way that it allows us to see a better or bigger picture but the risk on it can also be high.

[Fortify]

Money does not have value only value it has how much more money money users need to pay back in future.
If people serve their debt well money have value If they don't money don't have value the eur USD and other fiat.
If money value low now the solution is: make prices higher so people will use credit to buy things and Pay %.
So in otherwords when money have only value If someone have debt the long term debt contracts are best that will keep the best value of money specially the mortgage deals.
If people will be paying off all their debts then money will lose all the value instantly.
Simple example:
If you borrow 100$ today and you pay back 300$ in 3 years it means central banks can print after 3 years 200$ more money without risking of devaluation of money.
If no debt today then no new money later:)
So more debt with high % means more ability to print more money in the future.
The latest rate hikes now means the fed can print more money later. 
We should be thankful for those who borrow money and pay back without them we don't have enough money so Every debit = credit so your 100$ in your wallet is someones credit "the oblication to pay back"
That been said here now we all understood what waiting us in the future and how the money and economical system works.

You seem to be missing the bigger picture here, as you only describe people borrowing from banks. However countries also borrow money as well, those with the highest credit rating are given the lowest rates so it makes sense to pay back reliably. It has allowed America and other countries to borrow a lot of money in the form of bonds and as long as they keep up with repayments the world keeps on spinning. When countries default on these mega size debt payments it will cripple the country, their currency and economy for a long time. Central banks are running a fine balancing act when trying to contain consumer spending and not messing with country level borrowing too much.

[Plaguedeath]

Say that to the debtors, they will slap your face.

Banks not only earn money from lending service, but they also earn from penalty charge, monthly charge, managing the customers' funds etc. The banks printing new money isn't always because their customers want to borrow money, but they can print whenever they like as long as the president ask them to do it.

But it's true money does not have value, the real value are physical precious metal, real estate and Bitcoin.

[Yatsan]

Money does not have value only value it has how much more money money users need to pay back in future.
If people serve their debt well money have value If they don't money don't have value the eur USD and other fiat.
If money value low now the solution is: make prices higher so people will use credit to buy things and Pay %.
So in otherwords when money have only value If someone have debt the long term debt contracts are best that will keep the best value of money specially the mortgage deals.
If people will be paying off all their debts then money will lose all the value instantly.
Simple example:
If you borrow 100$ today and you pay back 300$ in 3 years it means central banks can print after 3 years 200$ more money without risking of devaluation of money.
If no debt today then no new money later:)
So more debt with high % means more ability to print more money in the future.
The latest rate hikes now means the fed can print more money later. 
We should be thankful for those who borrow money and pay back without them we don't have enough money so Every debit = credit so your 100$ in your wallet is someones credit "the oblication to pay back"
That been said here now we all understood what waiting us in the future and how the money and economical system works.

Your statement reflects a very specific view of how our economies operates. Today's financial system, money derives its value not only from physical products but also from the trust and management of government and institutions like the fiat currency. Money supplies were created from the process of lending like bank loans, it's like making new money. This makes debt a component of economic activity, as entrepreneurs, businesses and individuals borrow to invest driving economic growth. Value of money and debt can change, especially at economic instability, where the ability to repay the said debt might be challenging that also falls to our economic instability. For individuals, it it's advisable to be mindful of borrowing and managing debt just simply to keep away from financial strain. And for businesses well im not that very much knowledgable on the side but keeping informed and seek professional advice might be good for navigating.