Oh, and I forgot about interest. Once money exists primarily as information in an electronic form, as opposed to physically represented, it can be more easily manipulated. Hence, charging interest on loans starts generating money that doesn't "exist", that the bank can spend or loan to other people while the borrowers scramble to make up the hypothetical money with real money, if they an even do that. The chances are that they'll make it up with money that's been put around the loop several times already.
It's like taking a single coin into a time machine and giving it to yourself in the past, who does it again with both. You can end up with a fortune (and an army of clones), but really only one coin. And eventually its all going to disappear inside the time machine with your duplicates.
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