Person X goes to the bank and asks for a loan to purchase a new car. The bank grants a loan, transfers the car to the seller of the car and hands it to the person X. Right? With the Bank, X was committed to paying off its interest on a monthly basis and partially repaying the debt.

So... Where does the bank deposit money from - for a loan to person X?
From pure nothing

The Bank keeps a record of repayment of X's loan, until the debt is paid in full, that is, the amount that was paid to the seller of the car. After repayment, X becomes the real owner of the car. In the bank, the accounts were closed without the actual money being present. (Is that clear?)

The same or very similar is by broadcasting money within a sovereign state, or a parallel currency with a flexible exchange rate introduced by a "sovereign" state. The "sovereign" country (for example, for certain projects) can print money or digitize money from pure zero, for example, To build a water supply system. Water supply is built and supplies people with water. People will be paying for the cost of care plus amortisation. The latter will over time cover the value of non printed or digitized money. The company will be richer for plumbing. Warning - the examples are described only schematically.

In Euro countries it would not be difficult to introduce a parallel currency, since most European countries had already introduced both vouchers and their own currency in the past. It is difficult because it is not allowed by the system of the Euro. The introduction of the Euro has deprived the countries of one of the basic characteristics of the state. This is the right to print your own money (monetary policy). If citizens really wanted to improve their economic situation, they should be pressing on the government to decide and implement a parallel currency.