Lol, the bank of england is the grandaddy of them all and doesn't want people to understand how money works any more than any other big bank does.

“It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning.”

you can read up on social credit (the western version, not chinese) if you want an alternate perspective

EDIT: On reading it, this is actually a reasonable description of how it works. But the idea that it's not managed by anyone is silly: the banks manage it by scrounging as much debt as they can, productive or not, and charging as much interest as they can on it (and getting bailouts when that inevitably goes sideways, which transfers the issue to the public purse). That's the problem: the money needs to be created to match the productive economy and be placed in the hands of everyone, interest free.