[Saiyaka]

the reason why banks work irl is because they go through your credit history or check your credentials and decide whether or not what you're asking for the money for is a worthwhile investment or not. they try their best to invest money as smartly as possible and if the investment doesn't pan out it's money they lost. when they invest, they accept the risk, but they also assess it, and they make sure they gain more than they lose. if we were to spawn money for you that would create an exploitable system where you can just go around giving money to everyone and losing nothing, which wouldn't really work. like a real bank, when you invest money you're accepting the risks that come with it. that includes not getting a return on your investment.