Banks Create Money Out of Thin Air — Here's How

27th February 2026

People keep asking me how money is created, and the answer matters because misunderstanding money leads directly to bad economics and bad politics.

In this video, I explain:

Why money is always a promise to pay

How commercial banks create money when they lend.

How the Bank of England creates money for government spending.

Why tax does not fund spending, and instead controls inflation and inequality.

If we misunderstand money, we accept false limits on spending on

The NHS,
Social security,
Housing
Education,
Investment, and more.

Once we understand money properly, we can build a politics of care instead of a politics of austerity.