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Welcome to the wonderful world of fractional reserve banking.
If you really enjoy math, compare the value of the dollar 100 years ago, compared to now.
Its not surprising that most people don't care, most of us make just enough to get by.
Very few people look at what money actually is, and all of the ways it is used to control human behavior.
Its one of the oldest, and most effective social control mechanisms ever devised.
The more you make, the more they take, unless you're in the top 1%.