Watching through the video reminder of my first lecture on money in school which was about the origin of money, and how money is a tool to buy items and also state the value of an item (which you stated as facilitating trades).

Indeed bringing the issue of lending does brings more money into the flow of money in the country, as well as the inflation also, which makes me wonder to reduce inflation doesn't it mean reducing the lending activities of banks to maintain inflation as other source of getting income requires a productive activity aside fraud?