Beside the fraud they talk about in this video, as I know the most fiat money are created inside the banks as a accounting record against the customer debts. It is very easy for a bank. They only need an idiot who borrowing money from the bank. So it is in Europe. I thing in the US is it not different. So the crime is they build money as such way and they take interests for it. The risk for the bank is nothing, because if they don't become back the borrowed money, they make the reverse accounting record and the dept is nothing.

"It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning." Henry Ford.