Money is basically credit — specifically a very high type of credit. There is no base-money in the current system, and central banks generally follow banks, not the other way around. So sure go ahead and experiment with DeFi to your heart’s content, but how about getting the basics right about money and banking. Here would be a good place to start: https://www.bankofengland.co.uk/-/media/boe/files/quarterly-bulletin/2014/money-creation-in-the-modern-economy. And maybe also: http://www.newmoneyhub.com/www/money/credit-conversion/index.html.