They do teach this information in finance classes at university. There is more to it. This video didn’t ever go into the concept of “money supply”, or the “velocity of money multiplier effect”. The simple example in the video assumes that money gets deposited, 90% gets borrowed, that money gets deposited, and then 90% of that deposit gets borrowed. The number of times per year this money creation (deposit-loan cycle) happens each year is called “velocity”, and as you can infer, the faster the velocity, the more money that is created. This only works when there is demand for loans, for without it, this money creation process stalls. The demand for loans needs to exist, which means there needs to be an appetite for debt. That only can exist if people feel they will be able to pay off the loans, which is why they are constantly pumping people up about feeling good about this system. Also, the Federal Reserve sets interest rates, which is the “price” to borrow money. When they want/need to increase borrowing, they lower rates. When they want to tighten the supply, they raise rates. We are all pawns in their game.of course they want maximum borrowing and fast velocity, but that makes the inflation more evident to everyday people, and if it’s not sneaky enough, people get spooked and stop borrowing money. So the Fed has quite a balancing act to perform.

So, what to do with your “money”? As long as this system exists, the only way to win is put your money in inflation-proof investments. These are the “risky” investments everyone in the system tells you to avoid. Buy stocks. Buy real estate. Buy raw materials. As the dollar devalues, by definition these assets must “increase in price”. Actually the price doesn’t go up, it just takes more dollars to buy them because the dollars have been deflated. Really the only way to bust is if you borrow money to buy these things. Personally I prefer stocks because you have profit-incented humans trying to innovate and create growth in market share for their company, which adds a driver on top of inflation. You won’t get that with commodities, and real estate is a wasting asset due to physical deterioration. Ironically, bank stocks are great to own. If you can’t beat ‘em, join ‘em, then use your profits to do something good to offset all the evil in the world.