In reality the time difference between the deposit and the loan is negative. The bank makes the loan first, and then seeks deposits to cover their reserve requirements.
Money is an idea, not a thing. It is not subject to physical conservation laws.
Normal banks could not create money, they either borrow from FED or sell assets to FED to exchange for new money, FED is the only source of new money
FED created base money, and that money get loaned out again and again, but adding all the loan happened after that is quite meaningless, it serves the purpose of confusing people
If people discovered that only FED can create money, they will question about who give them that power; but if people have an impression of every bank can create money, then they might accept that as a common sense
