<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>Scarblac</author><text>Not quite. They get money from somewhere, that they loan out.&lt;p&gt;But because much of the money they got from somewhere can be requested at will (people can still remove money from their accounts), it is still liquid and still counts as money. So money is &amp;quot;created&amp;quot; this way.&lt;p&gt;That is how they create money. They don&amp;#x27;t &lt;i&gt;literally&lt;/i&gt; just create whatever they need, only central banks can do that.</text><parent_chain><item><author>Phenix88be</author><text>I think banks &amp;quot;create&amp;quot; (out of &amp;quot;no where&amp;quot; I mean) the money they loan. So they don&amp;#x27;t owe anyone.</text></item><item><author>101404</author><text>I just wonder how this works upstream. Don&amp;#x27;t the banks also owe that money to somebody? After all, value isn&amp;#x27;t just money, it&amp;#x27;s money plus time.</text></item><item><author>nabla9</author><text>It seems like obvious decision during national emergency.  The whole country is in quarantine. You can&amp;#x27;t expect household and small companies to pay interest  like nothing has changed.</text></item></parent_chain></comment><story><title>Payments on mortgages to be suspended across Italy after coronavirus outbreak</title><url>https://in.reuters.com/article/health-coronavirus-italy-mortgages/payments-on-mortgages-to-be-suspended-across-italy-after-coronavirus-outbreak-idINR1N2A900G</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>xxs</author><text>of course this is not true, the credits are sold and resold, etc.</text><parent_chain><item><author>Phenix88be</author><text>I think banks &amp;quot;create&amp;quot; (out of &amp;quot;no where&amp;quot; I mean) the money they loan. So they don&amp;#x27;t owe anyone.</text></item><item><author>101404</author><text>I just wonder how this works upstream. Don&amp;#x27;t the banks also owe that money to somebody? After all, value isn&amp;#x27;t just money, it&amp;#x27;s money plus time.</text></item><item><author>nabla9</author><text>It seems like obvious decision during national emergency.  The whole country is in quarantine. You can&amp;#x27;t expect household and small companies to pay interest  like nothing has changed.</text></item></parent_chain></comment><story><title>Payments on mortgages to be suspended across Italy after coronavirus outbreak</title><url>https://in.reuters.com/article/health-coronavirus-italy-mortgages/payments-on-mortgages-to-be-suspended-across-italy-after-coronavirus-outbreak-idINR1N2A900G</url></story>