The real purpose of economic activity consists of increasing the well-being of economic actors by producing and effectively, efficiently allocating economic goods. Working with resources, limited in time and space, economic actors produce, exchange, and consume economic goods, which satisfy their preferred desires.

As an economic good, money plays an important and unique role in a market economy. Money, however, adds nothing to the well-being of economic actors. The production of money—in whatever form used—provides nothing to the well-being of its holders .

The advocates of the perpetual money growth for loans hypothesis must ask themselves, why would money lenders want to create more money if money alone does not benefit them?