# Attempt to show how the "alchemy of banking" creates assets out of nothing. Person: your assets are Labor Bank: your assets are Reserves and your liabilities are Net Worth Bank: make Loan to Car Company. Car Company: Buy Labor from Person for Deposit. Car Company: your assets are Car Store: your assets are Goods Person: buy Goods from Store for Deposit Bank: make Loan to Person Person: buy Car from Car Company for Deposit. Car Company: buy Labor from Person for Deposit Car Company: your assets are Car Show Bank and Person's balance sheets Show Bank and Car Company's balance sheets