Sadly, your description of how our banking system functions is still incorrect but that is just an opportunity for you to keep learning.

I'm confused by your rant about central banks. Anyone can access their websites and peruse basically everything they've done, are doing, and are going to do, as they're fairly accommodative. Technically they are an arm of the Federal government although by necessity they have to be independent lest politicians start messing around with monetary policy; however, an act of congress could veto the existence of a central bank altogether.

In any event, if you have a desire to learn, then educate yourself. Your conspiracy theories are not an accurate reflection of reality.