No, most of the money disbursed by the bank is actually borrowed from the federal reserve. The Federal reserve in turn charges what is now a 1.5% interest. Since 2008 this interest rate has been historically low between 0-0.5%. Hence the banks and corporations have been borrowing money almost for no cost and pumping it into the wall street leading to the current high stock valuations. Bitcoin and crypto valuations are also a part of the same cash excess which has been created by almost free lending for the last decade