I'm a kid who hasn't yet participated much in the economy; there's a few things I need to understand first. From what I gather, all money in circulation is loaned out from banks at interest: the lender must give back all the money they borrowed + some extra amount. If the only way to get money is to borrow from a bank, how will interests ever be paid? Everyone gets their money from the bank, so how can the bank expect them to give back any more money than they lent out? It's obvious to me that riches exist in different forms than "money": people mine gold, others invent things, etc. Do banks accept these sorts of riches as payment? If not, it seems there's a vicious cycle of borrow, borrow more to pay back, borrow even more to pay back, ... and that makes no sense.