FIAT fractional banking the scam of 2 centuries

If you or I printed money off of our home printers it would be valueless paper and serious attempted fraud. If we multiplied our savings by 10 by adding a nought via computer link then loaning it out AND charging interest, it would be vo straight to jail.

How can the banking system work exactly like this and get away with not only it, but stealing homes and businesses while they are at it ?