You are 100% correct and its amazing how accepting people are of that bullshit answer. Both the examples are transfers.
The value of stock is a reflection of value gained typically by capital investment and it’s not just magic new money that comes from thin air. People have to get the money to buy the stock from somewhere. So they probably sold another asset and decreased it’s value marginally.
Fractional reserve lending doesn’t just make new money either. It lets the same money be spent over and over, which is not new money being created. If I loan you $100, and you loan Bob $90, Bob loans sue $81, so on and so forth, they’re just lending smaller amounts of the same $100. You’re still owed $100 and the entire chain is based on just that $100. This money moving through the economy more times is a term usually referred to as velocity and can have a massive effect on inflation or deflation, but it is most definitely not creating money out of thin air. For every dollar “created” someone owes the dollar, so their net worth does not change.
There’s some dum shit going on with central banks these days and things like quantitative easing, but spreading silly nonsense doesn’t help anyone. If the numbers in the meme are accurate it’s like just talking about new dollar bills being printed. BECAUSE PAPER MONEY WEARS DOWN FAST AND NEEDS TO BE REPLACED CONSTANTLY.
I’m sure this meme is brought to you by crypto bro TM. All money is fake and made up crazy stuff, so buy my new money. It’s the best money, cuz it’s a scam like all money.