The emo spoilt brat, trustafarian Bankers have stolen the Family wallet and Dad is in the Pawn shop pawning mums wedding ring to get some groceries for the weekend. The brat is off Skiing for the weekend on the largesse of Dads wallet of course. Solution, Take the wallet back tell the brat that they should earn their own money and save up for a skiing trip from their own money earned from their Saturday Job.
Banks create money from nothing and lend it to the government. Governments bail out banks when they go bust. Banks couldn’t do the thin air thing without government blessing. The creation of money and whats called seniorage ( the profit over production cost) belongs to the commons( Thats all of us). Money is a means of exchange , a tool when it has the form it has today, its called FIAT money, money that gets its authority at the end of a gun ( by FIAT). The analogy is not to Households borrowing from Banks its more like The snotty nosed teenager has Dads wallet So dad has to go into cash converters to PAwn mums earings , when really he should ring snotty teenager take his wallet back and tell the snotty teenager to go back to their Saturday job and earn their own money.