Credit creation still doesn't negate the law of contracts whereby there needs to be both full disclosure and equal consideration. No-one who gets a loan knows that the money didn't exist and was created. That equals fraud. Equal consideration where both sides stand to lose an equal amount. Money created out of nothing means only the bank benefits out you either repaying or not as they get to repossess your assets or receive payment plus interest. You are only poorer. That equals cheating. Not a good deal except for bankers