Take the case of a bank lending money to a hedge fund.
The second installment, although expected next year, will be used as collateral for the new bank money.
The couple realized that they were being abandoned and want their cut of the bank money.
The availability of bank money should also mean that inter-bank interest rates are low.
As the process continues, more commercial bank money is created.
Most of the money in these systems is "commercial bank money".
But what about the rest of the bank money?
Let the police recover them, as they did the bank money and the crown jewels.
The bank money is a loan, and is already being paid back, indeed.
As a loan is paid back, that commercial bank money disappears from existence.