Hint: if you want to insist that it's other people who "don't understand what money is", it helps for you not to flip from "fresh money is handed to the debtor" to "the banking system doesn't provide money" in mid-argument. And nope, even eliding definitions of money doesn't salvage an argument as hopelessly ignorant as "if it isn't repaid, the banking system is no worse off than before".

(For the record I understand the theory that a "sound" monetary system is ideally based on quantities of a durable commodity of naturally limited supply perfectly well, just like I understand other terrible nineteenth century theories like the idea that value is ideally based on a fixed quantity of labour. Judging by your utterance of the phrase "digital hard money" to refer to digits in a distributed database created out of thin air, I'm not so sure you actually do.)