What is the difference between:
A. I print $100, and give it to you as an interest-free loan.
B. I print $100, lend it to you at 5% interest, so you give me $5 per year, and then I give that $5 per year straight back to you.
C. I print $100, lend it to Tom at 5% interest, so Tom gives me $5 per year. You borrow $100 from Tom (or Dick or Harry) at 5% interest, so you give Tom (or Dick or Harry) $5 per year. And then I give you the $5 per year that Tom gives to me.
I can't see the difference either.