The complexity of the monetary system is pretty much a ruse. Remember when we were worried stimulus checks would drive inflation? Routinely, the Fed deposits money into big banks without debiting anything. It's not in your bank account, but you can borrow it. That's what creating money is.

The point being, the money doesn't appear into the ether. The government gives it to someone... Else.

I would, here, separate Capitalism (tm) from free markets. You and me trading is fine. The debt-based monetary system requires constant impoverishment. Real tl;dr , it's usury.