Then you're looking at semantics. The question is cui bono?
The ability to create theoretical value on non existant monetary issue, the use of debt as tender, follows on from the system devised by the Chicago boys to create fiscal benefit for the few from the misfortune, tethering and binding of those unable to generate sufficient capital to compete.
Fractional reserve lending causes perpetual debt, the inability to repay, and the projected, theoretical, interest incomes support the future returns, a major gamble as in the Greek situation. Once a default occurs the domino effect kicks in having an affect on what is portrayed as unconnected situations on the face, but in reality the selling of debts becomes a de facto ponzi scheme.
Semantics. The intent is vastly more important.
Oh, and no agenda thank you. Opinion yes, informed opinion.