Fractional Reserve Banking: When you deposit $100 in your bank, your local bank is allowed to lend up to $1,200 in loans tied to that $100.
For example, let's say the bank pays you 5 percent interest per year on your $100, equating to $5 per year in interest payments to you. The bank can then extend $1,200 in loans at ten percent interest, generating $120 in interest payments to them.
The bank has robbed you of your wealth by debasing your money through fractional reserve, and it has made $120 in interest on your $100. You have made $5.
Money don't come with instructions, educate yourself.