Your bank account is not a digital vault; it is an unsecured loan you have made to a corporation. You are an unsecured creditor.
Inflation is a feature, not a bug. The continuous creation of credit-money dilutes the value of your labor, forcing you to invest in risk assets just to maintain wealth.
The Multiplier Effect: A single $100 deposit can create $1,000 in new money supply as it is loaned, deposited, and re-loaned repeatedly across the banking network.
The system requires infinite growth. Since all money enters the economy as debt with interest attached, the economy must grow fast enough to pay the interest, driving resource extraction.
Confidence Dependency: The system is mathematically insolvent at any given moment. It only functions because we collectively agree not to withdraw our cash at the same time.