There's a lot of good information to read concerning fractional reserves, credit creation, accounting standards etc etc.

However, the missing link is this:

By creating a system where credit is the biggest component of finance - whether real estate, small business creation, corporate governance, whatever - the effect is to create an auction where everyone bids to pay the most interest to banksters.

Do you see the problem here?

The 'winners' are those who are willing to give the most economic rent to banksters.