Banker understand this. The single BTC can be re-loaned multiple times. John to charlie to mike then frank. 1 BTC passed hands in the loan but created 3 BTCs worth of Debt.
Without spending, the BTC can pass back up the chain of debt. With spending, the BTC to repay the debt must come from elsewhere.
True but once that BTC hits a savings account or the bank doesnt lend it out, Its no longer available to service the Debt contracts payable only in BTC.